First Person: 4 Places I Refuse to Use My Debit Card

Yahoo Contributor Network

Like anyone else, I have to take on the responsibility of protecting my personal information. The world is full of people that are just waiting for me to let my guard down so they can swoop in and steal my information along with my money. I know some people believe debit cards are safe because they've never had an issue, but there are far too many others that have encountered problems for me to feel 100 percent safe. So, I err on the side of caution by limiting where I use my debit card. These are some of the places I refuse to use my debit card.

Restaurants

This goes for both seated and drive-through restaurants. It doesn't matter which one you are at because chances are when it's time to pay the server will take your card out of your sight to swipe it. Of course, that doesn't mean he/she is up to no good, but there is always a chance they are. I know someone that used their debit card at a restaurant on their lunch break, and by the time they got off work there were already charges showing on their account. The server copied her card numbers and used them to go shopping online.

Gas stations

Many gas stations offer a discount to people who use their debit cards to pay at the pump. One station near me offers a $0.03 per gallon discount, but I never take advantage of it. With things like fake card readers and electronic card scanners being so commonplace, I just don't trust using my card in an uncontrolled environment.

Online

We all know far to well about the dangers of sharing personal information online. Anything you put online can be found by someone if they are looking hard enough. Nothing, and I do mean nothing at all is safe on the Internet. Even big powerful companies have had their systems hacked, which led to credit and debit card information being leaked. Personally, it's not worth the risk to me, so I avoid using my card online.

Over the phone

It would be harder for you to find a company that doesn't accept payments over the phone then it would be to find one that does. Most companies have adapted to the digital age, and are now doing business over the phone and on the Internet. The problem is, you have no idea who is on the other side of the phone, which means you are giving your precious information to a stranger. With all the other information the representative has, giving him/her your debit card details could spell financial disaster for your family. That is why I never use my debit card over the phone.

I understand I could use my card a million times before encountering an issue. I know the odds are probably against me; however, I've not will to risk it.

*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

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