Quote:
Originally Posted by 4691mls
That does seem extreme.
The only time my bank ever called me was for my debit card. It was not lost (I still had the physical card) but apparently someone had cloned it or something, and they were trying to use it at a Walmart in a town a couple hours away. Fortunately for me the criminal must not have been very good at it since it triggered the bank fraud response.
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Same thing happened to me with my debit card. The bank detected an unusual transaction - time of day (~02:00 AM), amount (~$2000), location (Berlin, Germany), purpose (furniture). They sent me a somewhat cryptic SMS immediately, telling me they had blocked my card and if they didn't hear from me within 12 hours they would cancel it.
I misread the msg when I read it at 06:00 and didn't do anything until the next day, by which time they had cancelled both my debit and my Visa card! It took them over week to 'reverse' the debit, and give me new cards - which was a bit irritating.
I dropped the limit on my debit card back to $500, some months previously they had increased it to $5,000 without asking first - a so called reward for being a loyal customer!!
BR