Debit card thieves get around PIN obstacle

This article talks about how debit cards are being used fraudulently:

http://www.msnbc.msn.com/id/11731365/from/ET/

This is the PIRG Consumer Fact sheet for ATM and Debit Cards:

http://www.pirg.org/consumer/banks/debit/debitcards1.htm

I know they are long articles. Here is what you need to know and pass on:

--You have more liability with your debit card than credit card. The liability limit can be different, AND you can face charges, penalties and hassles if other transactions do not go through due to the missing money.

--You can get an ATM card instead of a debit card. When it expires, you may have to request another ATM card; otherwise, a debit card will be issued.

--Blocking can cause you to bounce checks or be refused transactions. Blocking occurs when a retailer blocks an expected or standard amount when you initiate a transaction, and then correct it later. (for example, you purchase $30 gas but they block $75 from your account.) This is a good reason to use credit rather than debit, or carry a little cash.

--As you know, never use your debit card online or over the phone. Also, do not use your debit card where it leaves your sight, such as a restaurant where the waiter takes the card.