[GH85Carrera]

I use me debit card 20 times a week on average. I use my credit card for all on-line transactions. I pay off the CC every month.

Before my recent trip to California and back I called my credit union and my CC company and told them I would be driving out and back and there were zero problems.

I have had my CC number used once and the CC company caught it, They called me to confirm I did not just fly to Italy to buy Scuba equipment. I confirmed I was still here in Oklahoma with no need of scuba gear.

The Debit card has been stolen twice. Both times I was issued a full refund and got a new card right away. The biggest pain about getting my CC account stolen is for the automatic bill pay on some items. I have to call those companies and tell them the new CC number to bill.

The fraud detection for my CC is pretty amazing. I am the treasurer for our local PCA region. We had a Christmas party dinner and after everything is done I get to pay the bill. Few if any restaurants will accept a check for 50 people eating at a fancy Christmas party on the 50th story. The bill was well over two grand and my credit card when right through. I am sure one reason it went through was the room reservation fee and a down payment had been charged earlier in the year to the same company.