Have you ever had to do the walk of shame?

>murica
Feels good to be living in the land of debit card security.

Fellow Amerifat here. I've had my debit card skimmed 3 times already.

Anyone who knowingly uses a debit card instead of a credit card is asking to get fucked up the ass by scammers

>We only take American Express credit cards
Lel, everywhere else in the world it's the opposite. AmEx is the most likely card to not be accepted.

I still do almost everything in cash. I have a debit card, but have never had a credit card. And given that I've made it to middle age without one I doubt I ever will.

In developed countries, debit cards are usually equally secure.

Yeah im the same way. My uncle has never used an atm in his entire life

strong this

only used debit card entire life

never had any problems

rest of the world: chip and pin is secure
murka: OOGA BOOGA ME NEED MAKE PAPER MARK FOR CARD GO

rest of the world: debit cards have been good for twenty years
murka: OOGA BOOGA EVIL SPIRIT AM STEAL FROM DEBITS

rest of the world: visa and mastercard
murka: OOGA BOOGA MERKAN EXPRESS SHITTEST CARD EVER

>equally secure
Are you talking about the physical card technology or what?

I have no idea what your country's definitions are, but here, a debit card is linked to a bank account and when the money is gone, it's gone. You can report the fraud and you may or may not get the money back; if you do, it certainly won't be right away.

A credit card is linked to a line of credit, and if a fraudulent charge takes place, you don't have to pay.

A credit card and a debit card have the same physical properties and use the same network links, but one is for idiots with no common sense, and the other is for normal people.

If your credit is too fucked up for a real credit card, or if you have the self control of a child, then just use cash.

perhaps you could try not banking in the third world

>Being rich enough for an AmEx card to be worth it

>Shopping at pleb tier places that don't take AmEx

Perhaps you could educate yourself about the banking system instead of believing that chips are a magic panacea that can prevent fraud

I'm not an amerifat though. We use chip+pin (201) in store and VBV/MSC (3-DS) online

how do you know?

sorry brah, america is the pajeet of banking services

designated shitting banks, etc.

damn. I don't even have a cash pocket in my wallet.

no, you haven't.

In my experience, fraudulent charges are just as easy to deal with for a debit card as a credit card.

Plenty of amex cards don't have annual fees....

JCB/Discover is probably worse
European cards are region locked, so even if you clone magstripe+PIN all you have is a worthless 201 dump. And chip card+magstripe reader shifts liability to merchant

Even a lot of places frequented by wealthy people (corporate suites of sporting stadiums etc.) here in Australia either don't take AmEx or charge an extra fee.

>tfw america is adopting chip and SIGNATURE even though there are no signature-verifying technologies in place

It is and always has been about the weakest link. Chip+pin has been rolling out in the USA for the last year and should be complete within another year or two, as soon as that's done, credit card fraud will target the next weakest link, which will probably be the technologically ignorant people like this guy, who think that VPV and chips can magically prevent crime

really?

Was home for the holidays last winter, went to Costco with my parents membership card. Was gonna buy a bunch of food for the week. Grabbed probably $200+ of food, then the cashier wouldn't let me buy any of it because it wasn't my membership

>liability
That doesn't really help much when your main bank account was drained and it takes weeks to finish the investigation, I hope you keep a lot of cash lying around the house just in case.

Explain how to use a region locked 201 dump, with or without pin

I just draw a line for my signature.

theyre pushing for chip and pin here now. My credit card provider is annoying as fuck about fraudulent charges. they have shut off my card and spam called me on several occasions after using my card at the mcdonalds down the street from me.

Did you throw the food on the floor?

so wha thappened?

they take your stuff away and escort you out here

huh? im in american and my cards have chip and pin.
hardly anyone uses american express also.

the fuck you on, shitposter?

i use my father's BJ's card no problem. Hell, even my roommate has used my father's BJ card without issue

where you live?

lol BJ card

they seriously don't let you buy any of it? they don't just have a surcharge?

a friend and I literally went in without a membership card and bought as much shit as we wanted and then at check-out the person behind us let us use their membership card and the checker didnt give a fuck

But don't they check the ID upon entrance?

Switch providers, I had a major problem with Chase blocking legit stuff, like $50 worth of groceries, and then allowing nearly $1000 worth of fraud charges on some sketchy website that I had to spot by going through my statement and spending 20 minutes on the phone to get it taken off, so I took my CapitalOne card out of cold storage. No problems with them at all.

Chip and pin doesn't do shit when people still need to do online banking, it's amusing to see people who think that just because their script kiddie friends can no longer print fake credit cards in their section 8 housing complex to buy $400 sneakers at Barneys, that credit card fraud is now over.

It's people from your country that are trying to defraud Americans you cuck

I just flashed the card at the entrance iirc. Then they check the name/photo at the register. I was just kind of upset that I had wasted like an hour of my time. Also felt bad that some poor employee had to put back all the food

They didn't escort me or anything. She was pretty apologetic. That's a corporate policy that they have no choice to enforce. Shitty policy though imo

>defraud Americans
It's not exactly hard.

No, Russia has pretty bad security.

I should've specified that the photo is printed very small and on the back of the card, so it's not visible if you're just flashing it

where do YOU live? every major bank in the US, if not every single bank, has already rolled out EMV cards at this point

i mean about hte american express part. not the chip and pin

You can still make fake CCs, emboss PAN (the 16 digit number) and date of expiry on something that looks like a card. Fry the magstripe and chip and use a fake ID to bypass pin check.

>Waaaah I went into a membership-only facility without a membership and they won't let me enjoy the membership benefits

THIRD WORLD BANKING

americucks pls stop

you literally sound like somebody with a computer from 1986 claiming that a cd drive in a computer would explode and kill you

your banking system is shit and you are literally using caveman bank cards hiding in fear of the white man with his boom boom stick

BOOM BOOM STICK NOT SAFE! WHAT IF BULLET FLY BACK AND HIT MAN?

You have no idea what you're talking about, but your ignorant ranting is amusing. Tell us the one about how if you use a credit card you'll ruin your life with denbt, just like the Greeks.

i've had my cards for 6 years now and i've never been compromised; but then again, i live around white people only.

www.google.com

White people don't go to Home Depot or Target?

Yeah this happened to me too. Had to end up buying a memborship on the spot.

Also idk what the fuck op is talking about my parents dont have amex aneither do i and we go there all the fucking time.

Not the guy you asked but the news and those big signs they have saying they're taking visa on the 20th at the check out

hmm, okie

Bad news for american express guess

Any adult should carry enough cash to fill their car up with gas & always have $100 bill tucked away for an emergency. I never use atm's & try to avoid using credit cards when possible.

I leave cash in my car for that reason. I don't walk around with cash anymore. My wallet doesn't even have a bill pocket.

why would you want to avoid using credit cards? they make shopping considerably easier.

How old are you? You talk like a fat, 60 year old baby boomer in some disgusting place like Missouri.

Unless you use an absolutely terrible bank (CitiBank, BoA, an especially bad credit union), in America when you dispute the charges made on your account it's literally like they never happened while the investigation is ongoing. Debit is far more secure than credit, because the credit card companies will fuck with your credit rating for having the audacity to get your card info stolen.

...

38 / Long Island. You talk like a typical shithead millennial.

This is not true in Kentucky. In KY fraudulant charges are typically discovered immediatly, the bank stops payment or repays it automatically. Additionally your money is insured for up to like 600k. So even if they didnt you would still get paid. Credit card companies just use the more secure idea as a sales pitch.

You guys are typing though

You are exactly the person I vision living in Long Island.

>Debit is far more secure than credit, because the credit card companies will fuck with your credit rating for having the audacity to get your card info stolen.

This is bait

why would you not use a credit card these days?

It's easier to spend money when you just have to swipe. When your handing over your hard earned cash you tend to cut down on impulse buying.

speak for yourself. maybe it's hard for you, but not me. apparently you don't understand contractions or can't be bothered to write properly, so I could see how that could be a problem for you.

It was good advice you idiot.

>hardly anyone uses american express

Everyone uses it unless they are a poor fag with shitty credit. The rewards are almost always better than others.

Sorry, the statistics support him just because you are an exception doesn't make him any less correct.

their blue cards have no fees, anyway

Most Costcos have ATMs you know, you could have taken money out with your Visa debit, dumbass.

No it wasn't. Maybe if you're a fucking luddite who's scared of a digital transaction.

>be sure to carry around easily-to-lose, easy-to-steal bills around
>good advice

You fucking suck.

Kind of reminds me of when chips in plastic started getting introduced. I met a girl that used a hammer to smash his. He didn't want anyone to steal his shit.

Those things have a range of like 3 feet or something short like that.

>I met a girl that used a hammer to smash his
>a girl smashed his chip with a hammer

Sorry man, was in mid-thought while talking with someone else. It happens.

>I hope you keep a lot of cash lying around the house just in case
>he doesn't have a savings account

>mfw buying soda, frozen pizza, chips, fudge rounds, ice cream, and frozen buffalo wings with EBT

suck my 5 inches of steel wagecucks

He can if he lives in canada

No, I always keep my grocery money in cash. It's to keep me on budget. Once that money is gone it's gone until payday. I keep the leftover money and change in a savings account.

that isn't shameful at all. infact you should treat is as one of those drop the mic moments where you should be the one offended that they don't accept visa and harumph as you walk out the door in disgust, leaving the mess which is your cart and all your groceries to the cashier to clean up

No, he should just walk away, go get some cash and go back. Making a scene is childish.

I could care less what your buy with your pity money. But not much less.

>>"We only take American Express credit cards"

Literally what the fuck

My local costco only takes debit. It's probably so people can't stockpile tons of food and max credit cards w it

If losing $100 is going to ruin your life, you've got much, much bigger issues than being scared of technology

going to be awfully hard to do that with the card being cancelled you fucking retard holy shit