My other mini-rant is the debit card on my solo bank account (vs our joint account).
Credit union didn’t send me one when the old one expired. Nor did they send me one on our joint account. I didn’t notice that the old one had expired. My husband contacted the CU about the one for the joint account - and they re-sent the one for my individual account (which I just now realized - I had left it behind before we travelled).
Got a text this morning saying “we’ve caught possible fraud at Walmart dot com for 99 dollars for the card ending in ####, was this you? I checked with my husband - no such purchase. I dug through my wallet, and it was for MY debit card. Whoops. No clue how a scammer got the number - I pretty much NEVER use it. I might have gotten cash from the account some time in the past few years but not recently, and I don’t use it for purchases.
So when I replied ‘N’ to the message, I got a robo-reply saying they were blocking the card. I tried calling the number on the back of mine to get help with getting it reissued, and they hung up after I was on hold - nor have they done the promised callback.
There was a second attempted charge for about 60 bucks. So the temporary block has turned into cancelling the card. But that person couldn’t issue me a new card. “Call the member services number on the back of your card”. I pointed out that it was the same number I’d called already - and she said I had to call again - could not transfer.
So after 20+ minutes on hold there, with repeated offers to let me request a callback, I was finally FORCED to leave a message.
This CU has been good to us. We’ve been there for over 35 years. But I’ve been thinking for some time that it’s time to move on - it’s now impossible to get to if we need to go in person, and there’s another CU nearby, with branches all over, that we’ve established a small account with.
I’m overworked and overwhelmed and as our usual routine is that my husband cooks supper I kept working on things to clear my mind and when I came down around the time we’d normally eat…he got up to start cooking. He “didn’t notice the time”.
I really really appreciate all that he does and he’s such a good cook but I’m hungry and hangry and just need to complain.
I’m also annoyed at my customers for a million reasons but what else is new?
Try Spray N Wash instead. I used it on my cleaning clothes after cleaning out my fireplace last Spring. It got every bit of black oily soot out. Home Depot sells big jugs of it if you’re concerned about cost-effectiveness.
Oh I have some of that but for some reason I was keeping the dish soap handy in the same space. It has since been removed and that will not happen again lol.
I’ve been using my current debit card since about 2021. These days I just keep it in my shirt pocket. It’s a little worse for wear, and the “tap” feature stopped working a few months ago. The laminate is beginning to shred, and it’s becoming a challenge to even insert the card into the chip reader.
Some friends are saying I should just go into a branch of my bank and get the card replaced. I’m resisting that because I have so many payments programmed to this card (which doesn’t expire for another year) and changing them is going to be a PITA. I’m wondering if my bank would be able to issue a new card with identical numbers and CVV code. Failing that, is it feasible to trim off the raggedy parts of the laminate with a razor blade?
Account numbers change when there is fraudulent activity. In my experience, when a card simply expires, the replacement card will have the same numbers (though the CVV code will probably change). Getting a replacement card now will be the same. For automatic payments, I don’t recall having to update the payments when the CVV changes.
Usually you don’t have to. The CVV is something they ask for when you first set up a payment to confirm that you’re the rightful owner of the card, but they won’t ask for it again if you update the same card.
Now, the new expiration month/year is a different story.
I’m pretty sure my good laptop just died. It started making some wheezing sounds over the last few days that I was hoping was a sticky internal fan or something, but I think it might be something else. Although, aren’t all these hard drives solid state these days? Idunno. All I know is I had some shit lock up on me and I have not been able to do a complete restart or shut down with it - just hard shut down. I’m on my old laptop right now, which technically works fine, but it’s physically falling apart and it doesn’t quite have the juice of the newer one. That and all these updated passwords and shit since the last time I used this is killing me.
I’m hoping the newer one is only in a coma and I can at least use it for surfing or something - I didn’t have a problem getting to Firefox with it … when it was conscious.
Sorry about the laptop. Time to start using a password manager program - it’ll make one thing in your life easier. Bitwarden is supposedly the best of the free ones.
Bank branches can issue emergency replacement debit cards on the spot, but the physical replacement debit card that your bank branch issues to you would have a different number and CVV and would not be customized with your name on it like the original debit card.
For replacement cards, I’m not sure, but when I got a renewed VISA card which turned out not to work with RFID (“tap”), the replacement they sent had the same CVV as the original. CVVs appear to be randomized in new issues, but if they want to make it a particular number, they can.
OP: Go to your website. There should be a way to either report your card lost/stolen/misused OR damaged/defective. If you choose the latter option, they’ll mail you a brand new card with all the same numbers and meanwhile your old one still works as well as it does.
Since the advent of chips & taps and all that, a lot more cards simply fail than back in the magstripe days. So they’ve accommodated to that reality by being able to send you a brand new, but also identical, card.
OTOH: visiting the branch they will be far more likely to be unable to issue a clone, versus a whole new one with new numbers.
QFT - Resolve (formerly Spray ‘n’ Wash) and Shout and the like have enzymes that break down organic molecules such as chocolate and grass stains. Resolve has a really nice stain remover that combines two different substances which you rub in and leave for about an hour that will get rid of blood like nobody’s business.
I did finally get through to someone who handled the cancellation, then later to someone who seemed confused, saying that reissuing a card would be done automatically. Here’s hoping….
This same CU, whenever our shared debit card expires, sends only ONE, not two, on our joint account. Yeah, it may be time to change.
Renewed cards do indeed have the same account number, different CVV. I wonder if it’s possible any more to get a card that is JUST a debit card, not usable for purchases.
Ours used to be able to do that - but not any more. a) they just can’t, and b) their new location is really hard to get to. That’s another reason why I’m leaning toward moving to the really big CU that has branches all over including one a mile from home.
FUCK. Apparently I have until next month to export my data.