The Further Misadventures of Me

[bluegargantua]

Hey,

Because my last paycheck was auto-deposited to my account I went online to do some banking.

Huh, I seem to have less money in my account than I thought.

Hey, why did I spend $360 at Walmart.com?

Perhaps because I didn't and my debit card's been jacked?

*sigh*

Luckily a trip to the bank has pretty much put everything right -- the money should be returned within a week or so, a new card is coming out to me and I've got a temp card to cover things for now.

Still...
Tom

Comments

[purple-dj.livejournal.com]

I'm a big fan of using a credit card as a protective layer between my bank account and the world. I never ever use the debit card feature of my bank card, and if possible I have the bank disable it or at least warn me if it's used for anything. As many purchases as possible go through the credit card.

Pros:

• i never have to wait for the money from fraudulent charges to be returned. it never left my bank account.
  
• i get cash back or points on my credit card and can actually MAKE money on this arrangement

Cons:

• it requires a bit of financial responsibility to not buy more than you can afford, and to remember to pay the full amount every month, or it gets REALLY expensive really fast