Been nailed twice in the past year with a debit card. First time the lady at the bank told me not to use it like a debit card except in an ATM and use it like a credit card instead so you don't enter your pin# Anyway I took her advice and just last Friday I got popped again buying beer in a convenience store. How cruel was that? Anyway so much for the use it like a credit card trick. Do check your account twice a day so you will catch it when it first happens. Most of the time they'll hit you for some small amount to see if it will go then nail your hide to the barn door. As for me except for a few select places I trade on line it's put the card away and back to the cash and carry. I've had enough of this bull myself. Spence