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Those who actually do pay their credit balance in full have no concern about their credit score.
I do, and I do. You should. Credit scores affect insurance rates. Credit reports should be checked every four months, one report from each agency each year. Something may be on the credit report that adversely affects the credit score.
 
In my experience, it is far more difficult to get money back from fraud on a debit card than on an Amex card.
Regulation E (in the U.S.). The bank has to prove the person did the transaction, the card holder does not have to prove they did not make the transaction. Debit cards and credit cards are electronic transactions covered by regulation E. Fraudulent checks are much more difficult to prove and recover money.
 
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I do, and I do. You should. Credit scores affect insurance rates. Credit reports should be checked every four months, one report from each agency each year. Something may be on the credit report that adversely affects the credit score.
Look, if you’re the type of person who genuinely pays off all revolving credit balances monthly then your credit score is always good and of no interest. It is a trivial concern. What is important is the financial statement.
 
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Nah generally the same protection as the issue is for the bank to be resolved. Most civilised countries brought those protections in for their citizens. The credit card protection is longer standing, but that was because of the type of financial protect; a loan. And thus had some protection under that system. But for many around the world they don't live on debt like the USA and thus you have the same protections.

so why then people are afraid of their cards being stolen online?
 
So ATT allows customer data to be stolen in one of the biggest fraud heists of all time. ATT should be fined $50 billion for this fraud. They are solely responsible for safeguarding that data and should give their lives for protecting it.
But you know, US is the land of freedom. Vote eith your wallet. Change your telco provider. That is the real customer protection!

Not like in the socialist EU... where GDPR, NIS2,... are in place... Where Privacy Shield agreement were stopped!
 
not sure how it works in your country, but AFAIK , Credit cards are backed up by the bank. If they steal your DEBIT card, you are on your own.

In my experience, it is far more difficult to get money back from fraud on a debit card than on an Amex card.

Well, here in Europe banks are obliged to back you up when you've lost money when your debit card has been "skimmed" or simply stolen. Usually this is done within a day after the fraud is reported.
 
so? this is no concern to anyone that is not a criminal.

you've been watching too many movies.
Homie who do you think eventually ends up with this kind of data? Nice friendly nerds who just want to comb through PII from a hack but not actually do anything with it?

Enjoy the inevitable stolen identity situation you find yourself in as a result of your naïveté.
 
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Homie who do you think eventually ends up with this kind of data? Nice friendly nerds who just want to comb through PII from a hack but not actually do anything with it?

Enjoy the inevitable stolen identity situation you find yourself in as a result of your naïveté.

my data has been stolen 10x over already, far worse in equifax and OPM breaches than some metadata
 
my data has been stolen 10x over already, far worse in equifax and OPM breaches than some metadata
So because you’ve already lost what you perceive to be more important data in larger leaks and hacks, any subsequent breaches of your privacy - however seemingly insignificant they may be - are all but given a hall pass because of what preceded them. Huh. That’s certainly one argument, I guess.
 
Understand that anything you do on your phone is not secure. With that in mind weigh
Security over convenience and decide what you do on your phone
Unfortunately, the mobile providers don’t care about hacking as they know you have nowhere to go to get secure service
Sad but true. It’s gotten to the point where they don’t offer free credit monitoring for a year and where they don’t tell you about the hacking till 2 years later (ATT)
 
I have an old cellular iPad with an AT&T sim that I previously used with their pre-paid data plans. Haven't renewed for about a year, went to the settings and it thinks there's already an active AT&T plan but there isn't and no options to change anything. Whatever... went to AT&T's site entered the IMEI and it says they'll mail a new sim.

Then came the final step, after entering credit card and shipping info. They wanted to "verify it's really you" and said I must use a mobile device with a camera, scan a QR code, then take a picture of my driver's license, passport or similar. Have never seen anything like that before - 2fa via text and my Amex security code weren't enough for them. Is this because of the data breach?

Anyway, after wasting all this time I just cancelled and will get a T-mobile or other sim if I really want to keep using this old iPad. Seeing how well AT&T has been guarding our data, the last thing I want is to give them a scan of my driver's license! ;)
 
I got an email from AT&T today. They're very sorry and told me where I can go. To a website called CyberAware. Thanks AT&T. :/
 
I am of the opinion a company should receive a hefty fine for data breaches BUT I am also of the opinion if a company ignores data security concerns or fails to introduce/implement safety controls due to laziness and or financial costs then criminal proceedings should be brought to bare down on the company bosses.

I believe the EU introduced changes to health and safety laws where company directors can now be made responsible for serious breaches of health and safety. The same should happen with data security breaches, go after the company bosses who do not give a damn about data security instead of putting all the blame on IT individuals who's job it is to run and maintain the companies IT system.
It sounds like you and I are on the same page, at least in that there should be repercussions for data leaks. Whether it be criminal offenses or rewards to customers impacted by the leak, it is shocking how much personal information we hand over to companies only to result in an eventual data leak. That should either be locked up so tight or not collected at all.
 
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