[Verbiage]

Originally Posted by Tuned1

They have cameras there and your lawyer or the police officer should request to see them. Also, this is precisely why I have my money with smaller, local private banks. You'll never beat the one-on-one service you experience with the Goliath banks. Had this happened to me there would be zero questions asked and funds would be returned within 24-48 hours.

This is why I love my credit union.

[Seminole]

Originally Posted by Bavarian III

He should watch the tape, Dan.

.

[Verbiage]

^^^^^ LMAOO!!

[BTM]

OMGGGG

[GOLFFRR]

wow that sucks. that why i only use my platinum AMEX for this very reason. They dont even question you when you tell them you have a claim.

If i were you I would tell them you will close your account with them, who knows they might give in and pay up.

[Dan in PA]

Look at the tag....

[Verbiage]

Originally Posted by Dan in PA

Look at the tag....

[Dan in PA]

Originally Posted by Bavarian III

U mad bro? Come at me bro come at me

[BTM]

look at the tag, dan

[Verbiage]

Originally Posted by Dan in PA

U mad bro? Come at me bro come at me

Originally Posted by BTM

look at the tag, dan

You guys make my day, every day.

[lopealle]

lol

[jlstyle]

Well...I doubt they will reimburse your money unless this was totally out of your spending habit. I know they would've reimburse me as I rarely buy anything over $200 in a single charge.

[shuarma]

Originally Posted by jlstyle

Well...I doubt they will reimburse your money unless this was totally out of your spending habit. I know they would've reimburse me as I rarely buy anything over $200 in a single charge.

me too. i barely even use my credit card also because i hate the feeling of owing people money. i always use my debit.

[NYCGarbagePrince]

to take to the bank, Dan

[miktrebla09]

Originally Posted by shuarma

me too. i barely even use my credit card also because i hate the feeling of owing people money. i always use my debit.

I feel the same way about debt, but I like the protection my amex card provides. Just do what I do - use your credit card for all possible expenses and just pay the entire balance down at the end of each month. No interest paid, no worrying about someone stealing your card...though you may pay a high annual fee, depending on your card. huge amounts of thankyou points accrued is also a plus.

[Freakazoid]

word of advice for ya would be to use credit cards and not bank cards.

As mentioned above, just pay them in full.... You're about the dozenth person I've known that's had a situation like that happen and they still get fucked by their bank.
On the other hand if it was entirely a credit card (e.g. my discover card)... all you need to do is dispute it and you're pretty much golden... they do the leg work of getting the tapes, etc etc.

No fees attached, and you actually get money BACK. Go discover card, they're hands down the best from every possible angle imho

[BayMoWe335]

Originally Posted by shuarma

me too. i barely even use my credit card also because i hate the feeling of owing people money. i always use my debit.

Rewards for credit cars = win.

Using a debit for all purchases is just silly and leaves free money on the table.

Benefits of credit card:

1) Rewards (often times cash)
2) Summary Bill for nearly all purchases
3) Ability to hold your money longer since you only have to pay every 30 days
4) Less liability in shitty situations like these.

Negatives:

1) Ummm
2) I guess if you can't budget money well, credit cards can be tempting ways to spend money you don't have

[Freakazoid]

Originally Posted by BayMoWe335

Rewards for credit cars = win.

Using a debit for all purchases is just silly and leaves free money on the table.

Benefits of credit card:

1) Rewards (often times cash)
2) Summary Bill for nearly all purchases
3) Ability to hold your money longer since you only have to pay every 30 days
4) Less liability in shitty situations like these.

Negatives:

1) Ummm
2) I guess if you can't budget money well, credit cards can be tempting ways to spend money you don't have

+1

[f=ma]

Originally Posted by BayMoWe335

Rewards for credit cars = win.

Using a debit for all purchases is just silly and leaves free money on the table.

Benefits of credit card:

1) Rewards (often times cash)
2) Summary Bill for nearly all purchases
3) Ability to hold your money longer since you only have to pay every 30 days
4) Less liability in shitty situations like these.

Negatives:

1) Ummm
2) I guess if you can't budget money well, credit cards can be tempting ways to spend money you don't have

+111

credit cards offer protection that debit cards can only dream about.

[BTM]

Originally Posted by f=ma

+111

credit cards offer protection that debit cards can only dream about.

If you run your debit card as credit 99% of the time it will go through just as it normally would, and for example if it's a Visa debit, the transaction gets all the protection from Visa as though it were a Visa CC, it's basically like your a CC with a limit of whatever your bank account is

[Freakazoid]

Originally Posted by BTM

If you run your debit card as credit 99% of the time it will go through just as it normally would, and for example if it's a Visa debit, the transaction gets all the protection from Visa as though it were a Visa CC, it's basically like your a CC with a limit of whatever your bank account is

see they claim that....but from seeing first hand through other's people's shit.... that's not the case whatsoever. (you'd think it would be though)

[Hawkeye]

Yeah, most banks actually suggest against using your primary bank account for CC or Debit transactions if you shop a lot online. They do this because of the fraud for the most part.

A real credit card is much better than any debit/credit card for the protection and points. Some credit cards have even more perks than just points... like free vacation and travel insurance, doubling the warranty on electronics, free insurance on rental vehicles, etc.