Okay, we're going back to the day where you cashed your pay check and that's that. Okay, well maybe not that drastic, since they won't let me do that. However, after this story, I think you'll join me in my thoughts.
When I started my photography stuff, I opened myself a LITTLE (let me reiterate little) account to use for small things. Well Saturday morning, I went by the bank to check that little account. To my dismay, the account was overdrawn by hundreds of dollars. Ouch. I might understand that if I had gone on a shopping spree, however I hadn't used my card in OVER a week! Seriously. I ran, no really I ran, into the bank and had them print me a statement. Yep, overdrawn. The guilty purchase? Target - $300+. Dang, wonder what they bought! After a little more investigating, I discovered the Target was almost to Richmond, Texas....outside of my little 10 mile Cypress radius. I definitely wasn't there on Tuesday. The bank advised me to go home and dispatch a sheriff to come out and file a police report. Once I had the report, I was to bring it back to the bank. The officer that showed up, is a whole 'nother story...remind me to tell y'all that one...it's pretty comical. Anyhow, I grilled him with questions because I didn't understand how someone (I have other names for them), walked into a Target and made a purchase without having MY card. I've had MY card the WHOLE time. Here's how it works. Write this down. Okay, maybe don't write it, but remember it!
Step one: You hand over your card at a restaurant or fast food place. The card disappears from your sight for 2 minutes (if that).
Step two: The criminal (that's what they are!) has a card reader under their apron or under a table somewhere and they slip your card in and out of there before they swipe it to pay. That card reader works wonders and grabs your information.
Step three: They (the criminal) pass off the card reader for someone to take home and hook up to the computer. The computer reads it, just as you had input all of your information.
Step four: They can put that information on to a blank card (when I say blank, I'm thinking they can use any old card that's been cancelled, etc)...then walk into any store that doesn't ID, swipe the card and hit credit. Even though they hit credit, because this is my debit card, it's tied to my bank account....ouch. Done. They did it. There you have it.
This can happen anywhere that you might pass your card off for 30 seconds to have them go swipe your card, and the card is out of your sight. Don't come looking in my freezer, you might start finding wads of money. Forget these cards. No thank you.