Comment by chrsstrm
3 hours ago
In 2026, having my credit card number compromised is the least of my worries. At least here there is an established process for denying charges and ordering a new card. As long as you're not using a debit card, this is not a big deal.
My bank will reverse debit card charges. Based on that, I assumed that was a standard thing now.
The problem is debit cards leave a window where you don't have access to your own money until it gets reversed.
Only time I've seen that is the stupid holds that hotels do for deposits. The time I had the bank correct a debit card issue had the money available immediately. The only real hold on the account was waiting for the new card to arrive, but the funds were available
What happens with credit card? Is your line of credit reduced until it gets reversed?
1 reply →
Ok, your card is compromised. It's been cancelled.
One, how much money is in your pocket so you can eat?
ok, you'll use your second ca.... oh, it has to be cancelled now too.
Ok, lets wait a few days for another card, and lets go use it the first time, what hacked already, I guess I need to wait a few more days.
>As long as you're not using a debit card, this is not a big deal.
So screw 60% of all transactions done on a card? This doesn't seem workable.
Why do you have to cancel your second card?
The chance is incredibly small that your second card just happens to get hacked at the same time as your first card.
I have 6 (I think) credit cards, and mainly use 3 of them.
Your physical wallet might also get stolen, and you can be left without cash money.
It's a good practice to keep an emergency debit card at home. And/or a gift card with a couple hundred bucks on it. That's for digital expenses.
And you should also have a bit of emergency cash.
Meh, I’ve been giving out my credit card number willy nilly to merchants for 20+ years, and it hasn’t been used without my authorization over the course of what must be tens of thousands of transactions.
I have a text alert setup for transactions, so I presume I’d be able to successfully challenge any fraudulent ones pretty quickly.