Canadian credit cards at U.S. gas pumps - Page 3 - Fiberglass RV

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Old 12-26-2010, 08:37 AM   #29
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Alistair Camelford's Avatar
Trailer: Trillium 13 ft 1973
Posts: 265
I use my debit card at bank atms only. There is far less risk of getting your e-identity stolen/hacked at banks than at privately operated atms. That being said, the reason I use a Visa or MC creditcard is that I am not liable for fraudulent purchases on a pirated Visa / MC card, whereas on a pirated/hacked debit card...too's gone from your account!
Having had my credit card # stolen a few times (Isuspect by being double-swiped on an under-counter reader) I never let my card out of my sight. I will accompany a waitress to the card station , and will not let a sales person take the card back in to "the office".
I do notify the card companies before our three month snowbird stay...and thus they are able to spot any unusual activity an won't freeze my card for US purchases. I realize I take a hit on the transaction fee from $US to $Cda, but that is the price to pay for accessing the floating exchange rate and having secure purchasing.
We also travel with a minimum of three cards so that a compromised card won't disrupt our travels.
On a slightly different note, I built a little "safe"in our trailer for our passports and cash in a hard to reach and not visible to the quick-toss type of thief. It won't stop someone who guts our trailer...but a bad guy will need a lot of time and patience...something most quick smash & grab types don't have.
Safe travels and a Happy New Year fellow travellers....We hit the road in 15 days :-0
Alistair & Inge in The Road Toad

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Old 12-28-2010, 09:51 AM   #30
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Name: Carol
Trailer: 22' Airstream Formerly 16' Scamp
British Columbia
Posts: 11,729
I like the "safe" idea -have thought about that problem many times when traveling.

In most cases here in Canada the banks issue the Debit cards as part of your standard banking plan and they included x so many transactions without any additional feels - or at least mine does. Over the last year most have also re issued Debit cards with Chips on them just as new Credit Cards have, making it a bit harder to have your card hacked. About two years ago someone switched out the pin pad at a Major store for a day and stole everyones card and pin numbers (something thats a lot harder to do with chips). They did take money from my account but the bank has a daily limit as to how much cash can be withdrawn with a debit card so they only managed to get my limit. The banks fraud folks actually clued in to what was happening long before I did and shut my card down and then issued me a new chipped card and they put the money back into my account - I only had to sign a form confirming it was not me that took the money out. At this point I tend to think that my Credit Card is as big if not a bigger risk to carry than my Debit Card due to the higher limites.

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