<p>So today’s news is full of issues with Chase credit cards being hacked. </p>
<p>I’m sick of this.</p>
<p>Are you talking about the JP Morgan Chase hack? I don’t think they actually got card numbers, unless there is new news today. </p>
<p>I have worked in cryptographic security for retailers in my consulting business. My experience is that companies have been reluctant to make the significant investments needed to provide better protection for their data. Some industries are forced to (an initiative called PCI pushed for better credit card data protection several years ago). But my experience with PCI was that companies did what they needed to pass an audit… not always what they SHOULD do to protect their data. Top execs and boards of directors don’t have a clue about cyber security, and their eyes glazed over when the topic came up. Some of them are not terribly computer literate, as many are older and did not use computer much in their jobs. Plus, really good computer security people are expensive (now they are REALLY expensive since the events of the last year or two). Honestly, if I wanted to, I could probably work for a handful more years in that field at a rate that would allow me to retire early and comfortably. But I didn’t especially like the work.</p>
<p>What was compromised in the JP Morgan Chase hack was identifying personal information- names, addresses, email addresses. Your biggest risk here is that the threat actors will attempt phishing to obtain account credentials. If you get emails that appear to be from JP Morgan Chase with links to the website, don’t use those links. Create bookmarks for all of your financial web sites (good practice no matter the company) and only use those to get to their web sites. If you are going to click on a link in an email, hover over it and check it very carefully to make sure it is really the correct website. Sometimes they will use a 1 instead of a lower case L (which can look the same in some fonts). They can add a space where there isn’t usually one, or do the same trick with a capital o and a 0. It is best to just use bookmarked links and not click on any email links. If the company calls you, they will NOT ask you for identifying information. They do that when you call them. Don’t give out any info about your account on the phone. Just play it smart. </p>
<p>I love the work and am glad I work in cyber security 
It’s definitely not a field that is going away any time soon! That said, I’m now using one credit card for everything and keeping a close eye on that one card. I pay it off weekly but I’m not willing to use my debit card anymore. </p>
<p>Lovely. I don’t open anything that goes into my spam folder from Chase…and lots of things come. And I would never open a link. And I would never provide personal info via email.</p>
<p>I do get payment notices via email, and also notes that my account has been credited.</p>
<p>I check my bill very carefully.</p>
<p>It’s the only credit card I have, and it’s mostly used for larger purchases like airline tickets.</p>
<p>I have a Chase account but no JP Morgan. So my question is the accounts that are hacked are they Mostly JPMorgan as in investment part or the whole JPMORGAN Chase?</p>
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<p>I agree about the debit card. I cut a deal with D2 at college this year to just use the credit card she has (my account, card with her name on it) for everything. She owns responsibility for paying for her books and spending money, but I told her I would just settle each month from my card statement (her expenditures are split off) and take the money out of her bank account (technically a joint account). At least the credit card has protections if it is stolen – a debit card could be used to drain her whole account. I will probably help her apply for a credit card of her own over winter break. No more debit card purchases in stores or online for us. </p>
<p>I rarely use debit card. Only cash and credit card.</p>
<p>My daughter had suspicious activity on her BofA debit card within the last couple days. She is in SoCal, 3000 miles from her home. Bank is saying they can’t say which merchant cuased the flag on her account???huh??? Is it the mexican restauarant down the road, the cvs, the taxi that she used? Why won’t they tell her so she doesn’t use that merchant again? She had to borrow a car to get to a b of a after working a 15 hour night shift…needless to say she is pissed, and they are having a heat wave in socal…ugh</p>
<p>I asked my husband about the relationship with JPMorgan and Chase. He says all Chase credit cards are now JPMorgan Chase. But he has been wrong in the past!</p>
<p>I don’t have JP Morgan Chase credit card. Only debit for withdrawal from the bank ATM.</p>
<p>GA2012MOM, Big banks in a large city tend to be not so friendly, even when the same bank in another smaller city is just fine. This is just my personal experience. At one time, I just needed to have a simple notarization service and I was asked to explain a 30-page document to them because they said they did not understand financial related documents. I think they just wanted to get me out of their faces and did not bother them. (I have been with that bank for 30 years!)</p>
<p>Our credit union held off on issuing the new credit cards when the Target breech happened. However, we got a letter from them this week that they need to issue us new credit cards due to the Home Depot breech. It says new cards are in the mail and will be here in 7-10 business days; I am leaving Friday for a four-day trip out of state. But it also says you must activate the card (which is normal), and no matter if you do or don’t, the old credit card will be invalid fourteen days from the date of the letter (Sept. 30). Well, this sucks, because, if the new credit card doesn’t come by this Friday, I will be up a creek. The deactivation date would be the last day of my vacation, when I need to finalize charges for the hotel room and rental car. I have no idea if they will be willing to extend my current credit card by one day or not; have to call on Monday.</p>
<p>Even more frustrating, we just got this credit card two months ago, when we had to replace them due to being burglarized. So I just went through the whole process of notifying all the vendors who have regular monthly or quarterly charges to our credit card; now I will have to do it again.</p>
<p>I’m the kind of person, though, who probably checks our credit card activity at least twice a week; always have been.</p>
<p>I’ve said it before, and I’ll say it again…while I once was opposed to the idea, I have since warmed up to to the notion of using thumbprints as a requirement for any financial dealing.</p>
<p>Bank of A is very difficult to deal with in terms of fraud. When my kid was in Africa, I had a POA to handle her affairs. I did not have her credit card. It was locked in a safe in Kigali, Rwanda. The nitwit customer service person said “just have your daughter call the 800 number on the back of her card to report this.”</p>
<p>Really…what part didn’t they understand? She had NO access to the credit card or that 800 number on the back. And that 800 number would not have worked from Africa anyway. Idiots.</p>
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<p>Yes, I am quite sure Chase cards are part of JPMorgan Chase. But they didn’t steal actual card numbers… so I don’t see why this matters. They stole other information, but not account number/card number/password info. </p>
<p>I have a couple of (no annual fee) backup credit cards that I keep in a drawer and can use whenever there is an issue with my primary card (getting a new number because of a lapse in merchant security, for example). When I travel, I take along one of my backup cards just in case there is an issue while I am away.</p>
<p>I also maintain a master list of all my and H’s credit cards, the contact numbers, etc.</p>
<p>We pay all bills in full each month and match the statements against the receipts.</p>
<p>I use my debit card mainly to get cash from a terminal at my bank.</p>
<p>Works for me. </p>
<p>HSBC just issued me a credit card with a strip like the ones they are using in Europe.</p>