[RKDinOKC]

Mertnin...That was fun, NOT.

Found a charge from my debit card I didn't make.
It was from some ebook service in Canada.
$45 bucks a month to have access to a whole bunch of eBooks.

Why would I want to do that since I know from Glen, Mrs Carrera downloads eBooks from the local Library?

Called them.

The first sign of hanky panky, they looked my account up by my credit card NOT my email!

Then their policy is that I had 7 days to cancel and get a refund. It did not show up on my account until 7 days after they have record of me opening the account. How convenient.

Asked her if they had record of the ebooks I had downloaded and read. She said sure. Then said I hadn't downloaded any. Told her that's because I did not open an account. AND if I did not get a refund for all of the money I would file a Credit Card Fraud complaint as soon as I got off the phone. Within seconds I got an email stating my subscription was canceled and that I would get a full refund. By the time I got off the phone and logged into my bank account the reverse charge had gone thru.

Then I called and reported the fraud charge to my card and killed the card.
The bummer is I have change the card number on the bills I use that card on.

Then drove the 2 miles to he Credit Union Branch and got a new debit card.
Also talked to one of the officers about what my options were, if I should get a credit card or if I could get a second debit card or what.

She said the only advantage of a credit card was that it would raise my credit rating but limit the amount I could borrow because it was a debit for the limit on the card. The disadvantage was the interest if I was not paid in full every month.

She recommended I just open another account with the Credit Union and use that account for internet and incidental debit card charges and only transfer money to that account that I was going to spend. That way if someone tried to fraud that card and drain my bank it would only effect the money I had put in that account.

She also stated that the VISA debit cards the credit union uses has the same fraud protection as the VISA credit cards. And that if that ebook company hadn't reversed the charges VISA would have.

I now have two separate checking accounts with the credit union each with their own debit card. One for bills, and one for expenses. And if something happens to my daily use card I won't have to mess with updating the card number on my bills.