Speaker 1: What's going on. I'm rich Dmiro. This is rich on Tech.
Speaker 1: You guys know that I do a live call in
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Speaker 1: rich on Tech. And here is a recent call from
Speaker 1: that show.
Speaker 2: My name is Elise mel Quiz. I'm calling from Flamingo Heights,
Speaker 2: which is near twenty nine Palms Marine Base. I've been
Speaker 2: a PayPal customer for about thirty years now, give or take,
Speaker 2: and all of a sudden, my credit card through PayPal
Speaker 2: when Synchrony Bank they're telling me that I had a
Speaker 2: security breach, but they never notified me of how it
Speaker 2: happened and all of that, and so now I can't
Speaker 2: use my credit card. I've got all the bells and whistles,
Speaker 2: and I'm not I've been I'm a PLUS certified, So
Speaker 2: I don't understand. Shouldn't credit card companies notify the person
Speaker 2: whose credit card is as soon as like.
Speaker 1: A SAP, you would think, how is it breached? Did
Speaker 1: someone use your card?
Speaker 3: Or was it?
Speaker 1: Like?
Speaker 3: How is that?
Speaker 2: That's a big question that I have. That's what's been
Speaker 2: puzzling me all night and all day, yes, today, end today?
Speaker 3: And how did you find out about this?
Speaker 2: I called Uh, well, I went online because I do. Uh,
Speaker 2: I swear by PayPal and Amazon and stuff like that,
Speaker 2: because I don't give it. I do a lot of
Speaker 2: online purchases, Okay, but I only do it if they
Speaker 2: accept PayPal or Amazon.
Speaker 1: Interesting, Okay, well, I'll be honest, I recommend the opposite.
Speaker 1: So I personally don't really use PayPal anymore because I
Speaker 1: don't like how they they urge you to use your
Speaker 1: credit your your bank account versus your credit card. And yes,
Speaker 1: you can use your credit card with them, but I
Speaker 1: personally think that I don't like going through PayPal because
Speaker 1: it's like a third party proxy and when you have
Speaker 1: a problem, it's really tough to get support with PayPal
Speaker 1: because they're a big company and it's just not to
Speaker 1: me and my experience, it's not very good because you're
Speaker 1: going through email and all this stuff. So personally, if
Speaker 1: I'm shopping online, I use a credit card that is
Speaker 1: not a debit card. I don't like to use a
Speaker 1: debit card online because if someone if someone gets that,
Speaker 1: you know they have access to your entire bank account.
Speaker 1: So personally, I would say i'd recommend ditch PayPal, use
Speaker 1: your credit card directly online and get a credit card
Speaker 1: that has good protection. So every credit card is different,
Speaker 1: you know. Some of them have better protection than others.
Speaker 1: Some of them have alerts or they'll text you if
Speaker 1: your phone. I've got an app on my phone that
Speaker 1: literally sends me a text every time my card is used,
Speaker 1: so I can see the exact amount of that usage.
Speaker 1: The other thing I do like as opposed to PayPal
Speaker 1: is Visa Checkout. That's kind of an alternative. I like
Speaker 1: it better because.
Speaker 2: It's Visa checkout. Yeah.
Speaker 1: Now, the whole I mean, yeah, the whole thing about
Speaker 1: PayPal is I'm just not liking it. I'm not liking PayPal.
Speaker 1: I'm not liking Venmo. I don't like when any third
Speaker 1: party really has access to my credit card, except I
Speaker 1: will tell you the one I do like. I am
Speaker 1: a fan of Samsung Pay. I'm a fan of Apple
Speaker 1: Pay and Google Pay, and those are a little bit
Speaker 1: different because those don't share your credit card.
Speaker 3: Number with the services.
Speaker 1: They actually share a one time disposable number, and that's
Speaker 1: why it protects you more so than something like PayPal,
Speaker 1: which I just feel like they get hacked a lot.
Speaker 1: There's a lot of fraud with PayPal. I just don't
Speaker 1: really see the benefit of using PayPal except for the
Speaker 1: fact that they store your information, and I just don't
Speaker 1: I don't really see the benefit of using it to
Speaker 1: shop online. So I say, ditch PayPal and you're When
Speaker 1: it comes to your credit card company, not all of
Speaker 1: them do tell you right away. And I was in
Speaker 1: New Jersey a couple of weeks ago my card was declined.
Speaker 1: My debit card was declined the first time I used
Speaker 1: it in New Jersey, and I was expecting a phone
Speaker 1: call from my bank to say, like, Hey, what's going on.
Speaker 1: Are you in New Jersey or what you know? Did
Speaker 1: you make this transaction? They never called me. I had
Speaker 1: to end up calling them to get my card cleared
Speaker 1: and to figure out so I couldn't use my card
Speaker 1: for a couple of days until I called them, And
Speaker 1: then as soon as I did my first transaction again,
Speaker 1: my card was declined again and I had to call
Speaker 1: back again. So it really depends on your card issuer,
Speaker 1: whether they text you or email you. I would set
Speaker 1: up alerts when your card is used so that way
Speaker 1: you know, but you should not at the end of
Speaker 1: the day. You should not be liable a lease for
Speaker 1: anything that was charged on your card. That's the bottom line.
Speaker 1: You should not be liable for anything.
Speaker 2: Okay, off co sign that. So the your co signing
Speaker 2: Apple page.
Speaker 3: Yeah, I like I like Apple Pay.
Speaker 1: I like Apple Pay, Google Pay, and Samsung Pay, and
Speaker 1: I think that.
Speaker 2: Excuse me, what do you think about Amazon Prime because
Speaker 2: I'm an Amazon Prime person.
Speaker 3: Oh yeah, I love Amazon Prime. That's great. Amazon Prime
Speaker 3: is fantastic. I highly recommend you using that. I just don't.
Speaker 1: I don't like using Amazon Pay either. I know they've
Speaker 1: they've done more with Amazon Pay. I don't really like
Speaker 1: anytime I'm giving away more information than I have to
Speaker 1: your credit card number.
Speaker 3: I get it.
Speaker 1: You know, you can easily cancel a credit card and
Speaker 1: it's not your money, you know what I mean, it's
Speaker 1: not your cash. So and I've got some folks in
Speaker 1: here saying that. J. C. John is saying that he
Speaker 1: if my wife and I cut up our credit cards
Speaker 1: years ago, no cash, no buy, and I totally agree
Speaker 1: with that. I'm on the Dave Ramsey plan. But when
Speaker 1: it comes to online purchases, I'm not comfortable giving out
Speaker 1: my debit card because there's been instances where they get
Speaker 1: my money off my debit card. And then you have
Speaker 1: to fight back for your own money and that's not fun. Yeah,
Speaker 1: so all right, thanks so much for the call, Alice.
Speaker 1: I appreciate it.
Speaker 2: Thank you so much.
Speaker 3: Rich Okay, have a good day. Okay, bye bye.
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Speaker 1: Thanks so much for listening, Amriche Tomiro.
Speaker 3: I'll talk to you real soon.