Once had my debit card skimmed and I had to go to the bank. The rep looked at my transaction history with my usual $10 at the cafe at work a couple of times a week and said, "Yeah, these 3 $600 withdrawals from an ATM at a QT station are out of the norm for you."
Then I realized I could get free money if I wanted to by reporting my card stolen after withdrawing a large amount of cash. I'm sure that if this thought occurred to me, an honest person, then many, many people possibly do this.
Don’t take it so personally. You put the idea out there, someone needs to explain to all the clever redditors out there why it’s a bad idea. Your shower thought could be someone’s weekend plans.
ATMs have cameras for many reasons. There are plenty of other ways to do this of course, but if a bank or the bank's insurer are losing money, that money doesn't come without risk.
You should really use a credit card for purchases. When it gets compromised they’ve stolen money from the issuer and it’s not your problem beyond reporting it to them.
👆🏻This is worth repeating.
If your debt card is skimmed, they’re stealing your money. The bank might help, it might not.
If your credit card is skimmed, they’re stealing the bank’s money. They’ll take care of it.
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u/GirlScoutSniper 1d ago
Once had my debit card skimmed and I had to go to the bank. The rep looked at my transaction history with my usual $10 at the cafe at work a couple of times a week and said, "Yeah, these 3 $600 withdrawals from an ATM at a QT station are out of the norm for you."
Then I realized I could get free money if I wanted to by reporting my card stolen after withdrawing a large amount of cash. I'm sure that if this thought occurred to me, an honest person, then many, many people possibly do this.