Once I had two fraudulent charges my bank notified me about. I thought initially the text to my phone was a phishing scam so I didn't respond to text link and called the bank directly from number's listed on my bank card itself. Turns out it was a legit text, they put a hold on my card and reversed the charges immediately and sent me a new one very quickly.
I haven't done it yet but I should really look into using a something like Apple/Samsung Pay or something like that. Most card payment systems allow some people to working for a business establishment to view the credit card details of a bank card or credit card and anybody who wishes to abuse it can easily reuse those same credentials or sell them. With all the low paid workers out there with access to such details, it seems rather ridiculous to think people on the lower end of the economic spectrum won't abuse it out of need or greed.
In the business's credit/debit card systems it wouldn't surprise me if it wasn't more common than that way then other potential methods, like people who meddle with the legit card reader systems at the cashier counter or at the ATM or fuel pump, or people who can say grab the card credentials remotely with some kind of gizmo. Only a couple jobs I had where I worked the night shift and would have to batch the debit/credit card sales during the turnover and I'm rather baffled how transparent they are with the card holders details.
In past I almost always used cash to avoid such worries, made frequent trips to withdraw money from bank, in recent years I got kind of lazy about it. Hadn't had any issues except that one time.
Moving to a system that uses a one time transaction route for each payment sound safe but curious as to how I manage auto-payments like my health/dental insurance, cellphone bills, Netflix and Hulu, Xbox Game Pass Ultimate etc. I know a couple who do this stuff I should press them to help me get it figured out.
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