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Comment by lxgr

17 hours ago

Absolutely not. You call your bank, report an unauthorized debit, and get your money back within at most 10 business days.

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lxgr

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fragmede  17 hours ago

Even just assuming it's actually that easy and fast (I have my doubts), so for two weeks you have no money. All your bills to get paid don't get paid. You can't pay for food or anything. Hopefully it didn't happen when rent was due.

That doesn't sound like a huge PITA to you that could just be avoided by not giving them that access in the first place?

  • lxgr  17 hours ago

    > All your bills to get paid don't get paid. You can't pay for food or anything. Hopefully it didn't happen when rent was due.

    What's the difference between that and somebody's only credit card getting maxed out by fraudsters? They also can't use it until they receive a provisional credit by their bank.

    If your point is that a credit card separates rent from other payments, nothing is stopping you from having multiple checking accounts either.

    • fragmede  16 hours ago

      Your bank's fraud department and your credit card's fraud department are different teams and because credit card fraud is a much more well known problem, that department is better and more quickly able to deal with the problem. In my world view, anyway.

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