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Debit-card dilemma.(GOTCHA!)(Brief article)

Consumer Reports

| March 01, 2009 | COPYRIGHT 2009 Consumers Union of the United States, Inc. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan.  All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)Copyright

Debit-card purchases for 2008 are expected to have risen by 13 percent, but those cards have downsides, including a growing appeal to thieves. Using a technique called skimming, thieves set up devices that capture magnetic-stripe and keypad information when you input your PIN at ATMs, gas pumps, or retailers. Then they pull cold cash from your bank account. Here's how to protect yourself:

Don't type your PIN at the pump. Gas pumps are notorious for skimming. Use a credit card rather than a debit card, or if you must debit, choose the screen prompt that identifies it as a credit card ...

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