71–80 of 110 posts
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Bump for Simple. Anytime an auth occurs, I get a push notification on my phone. Its so simple from a UX standpoint, not sure why other financial services firms (Discover, Amex, etc) don't push something like it out.
The Amex app on iPhone sends push notifications for changes.
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> Which really doesn't matter since credit cards can be used online Don't you need the printed CVV for that? Which isn't stored on either the magstripe nor the chip. edit: 3DSecure would also help if banks cared to push it harder (for instance my bank now disallows all online debit card charges that don't use 3DSecure)
No, you really don't need the printed CVV for that. And several cards have actually had the CVV on the chip. Also, in many cases the chips actually contain enough information to replicate the magnetic stripe. (Which is well, bad.)
[1] http://www.emvlab.org/emvtags/show/t57/ [2] http://www.emvlab.org/emvtags/show/t5a/
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Most merchant agreements forbid this, IIRC. Credit card companies have a vested interest in the goods being the same price whether cash or credit.
Not saying that's untrue, but when you think of it, it's pretty amazing that card companies can legally do this. Testament to the efficacy of K Street I suppose.
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Depends on where you shop, but some places will give you cash discounts of 3-5%, which is more than most CC rewards pay. Admittedly it's not as widespread.
Most merchant agreements forbid this, IIRC. Credit card companies have a vested interest in the goods being the same price whether cash or credit.
Starting in early 2013, as a result of a settlement of a class action by merchants, they no longer have to charge credit card users the advertised and marked price. They can advertise and mark the cash price, and charge a credit card surcharge of up 4% or the processing fees for that transaction (whichever is smaller).
Some states have laws that limit surcharging. There is a list in this Visa article about the post settlement rules: http://usa.visa.com/personal/get-help/checkout-fees.jsp
It seems to me like the breach may still be ongoing/the vulnerability may still exist. In the announcement, they use "have been" as in its actively occurring. Additionally, in the press release ( http://ir.homedepot.com/phoenix.zhtml?c=63646&p=irol-newsArt... ), they don't indicate that the breach has stopped; they only say they have taken aggressive action. It seems unlikely that the attack would continue since the…
(1) Don't use debit cards. You're much better protected as a consumer when you use a credit card. http://www.bbb.org/blog/2013/11/do-debit-cards-and-credit-ca... (2) Use BillGuard https://www.billguard.com/ (3) Review your transactions every week or so via a personal finance tool (I use https://www.mint.com/ ) I don't particularly care if my payment credentials are compromised as it's highly unlikely a fraudulent cha…
Or use cash and forget about all this other stuff ;)
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It is not clear to me why they would have your name, email address, and mailing information? For example, I recently purchased some items from home depot and used my debit card + pin, other than rolling the pin, what else should we be doing? Do you have a home depot CC?
I don't have a Home Depot CC, but I've used their e-receipts in the last couple of months and I'm reasonably sure that I've ordered online from them in the past. I certainly hope they didn't compromise the PIN pads in the stores. That could be a Very Bad Thing.
[1] http://krebsonsecurity.com/2014/09/home-depot-hit-by-same-ma...
(1) Don't use debit cards. You're much better protected as a consumer when you use a credit card. http://www.bbb.org/blog/2013/11/do-debit-cards-and-credit-ca... (2) Use BillGuard https://www.billguard.com/ (3) Review your transactions every week or so via a personal finance tool (I use https://www.mint.com/ ) I don't particularly care if my payment credentials are compromised as it's highly unlikely a fraudulent cha…
Or use cash and forget about all this other stuff ;)
If you use cash and it gets stolen, your money is just gone.
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Or use cash and forget about all this other stuff ;)
Oh the irony of how using cash is safer these days. You expose yourself to an internet full of thieves using plastic, but with cash it's only to the handful of people you actually cross paths with.
(1) Don't use debit cards. You're much better protected as a consumer when you use a credit card. http://www.bbb.org/blog/2013/11/do-debit-cards-and-credit-ca... (2) Use BillGuard https://www.billguard.com/ (3) Review your transactions every week or so via a personal finance tool (I use https://www.mint.com/ ) I don't particularly care if my payment credentials are compromised as it's highly unlikely a fraudulent cha…