Can't get reloading supplies at Cabelas any longer

Goofyfoot2001

Goofyfoot2001

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Well, maybe you can. I went to get some primers today at lunch here in Charlotte and went to check out and asked if I should hit OK or Cancel for credit. I never put my pin number in anyplace but at an ATM. The lady said that if it was Wellsfargo or some other bank that you had to put your pin in.

I said, "nope," and walked out leaving my purchase. I won't be shopping at Cabelas again I guess. Shame. I liked Cabelas, but I can shop elsewhere and online.
 
With the reference to the ATM I am assuming this is a debit transaction, not credit?
 
Whats wrong with entering your pin? If you're worried that much about someone stealing your info you should be purchasing with a credit card anyways.
 
I never use my card as debit and have NEVER used my card as debit. There are a few retailers that don't want to pay the credit card fee I guess. Cabelas is one of those and the other is Bi-Lo. Maybe Cabelas is going the way of Bi-lo
 
Goofyfoot2001 said:
I never use my card as debit and have NEVER used my card as debit. There are a few retailers that don't want to pay the credit card fee I guess. Cabelas is one of those and the other is Bi-Lo. Maybe Cabelas is going the way of Bi-lo
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And what's the difference between credit and debit functions using your DEBIT CARD that bothers you?
 
Mike Overlay said:
Damn the cards. I gave them up. Cash and carry
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Yep.

For ammo, booze, and guns the only time I use a card is online for ammo. I don't need .gov knowing any more about my "vices" than they already do.
 
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11B CIB said:
And what's the difference between credit and debit functions using your DEBIT CARD that bothers you?
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I don't want someone to see my PIN. I can't count the number of times I've seen someone PIN just standing in line behind them. Plus the cameras about the registers. Go ahead an put your PIN in. I'm not doing it. If Cabelas wants my business then they need to accept my money first. If I have cash then maybe I'll stop by sometime but I don't often use cash and I'll never bother going out of my way to get cash for a retailer. They are under no obligation to take my money of course. That's the American way. The STUPID way is to not take my money when I'm willing an able to give it to them.
 
I'm sort of in the same boat since I don't use my Debit card anywhere except MY banks ATM. Never as debit anywhere!! If I'm online it's my personal CC unless it's business related and then I use my Corporate CC. Anything other than that, CASH......
In God we trust, all others pay cash.....
 
Europe is just the opposite, you use a chip and pin with credit cards. Not sure what is safer, chip and pin or chip and signature. Believe it or not the safest is using either Apple or Google pay since a token is all that transmitted between you and the payer and is only good for that one transaction
 
I've honestly never worried about using my debit card with PIN at any legitimate business. Between paychecks being direct deposit, and plastic being accepted nearly everywhere, I sometimes go weeks without touching a greenback.
 
Goofyfoot2001 said:
I don't want someone to see my PIN. I can't count the number of times I've seen someone PIN just standing in line behind them. Plus the cameras about the registers. Go ahead an put your PIN in. I'm not doing it. If Cabelas wants my business then they need to accept my money first. If I have cash then maybe I'll stop by sometime but I don't often use cash and I'll never bother going out of my way to get cash for a retailer. They are under no obligation to take my money of course. That's the American way. The STUPID way is to not take my money when I'm willing an able to give it to them.
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Cover it with your hand? Simple solution really.

And then aren't NOT accepting your money. You're just not willing to pay in a certain format
 
I hate to break it to you but this is the way it will be EVERYWHERE in the near future. Europe and Canada uses pin & chip for credit almost everywhere.
Simply using your pin doesn't mean it's a debit transaction. PIN is just another level of security.
I first encountered this in Canada recently.
 
Catfish said:
This seems to be very important to you but I have absolutely no idea why... help me out here?
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I asked that also. Seems like it's only a PIN visibility issue which is easily overcome
 
scmoose said:
On a side note, who gets their free annual credit reports, and from where?
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I freeze my credit at the three credit reporting bureaus so I don't worry about it as much. NC law requires that Transunion, Equifax and Experian provide this service for free.
 
Just make sure to check for black helicopters before you enter your pin, you'll be fine.
 
If you're really worried about security, why are you using a debit card at all? If someone manages to get your debit card, that's your money they're stealing from your account, and you have to fight to get it back. Whereas if you use a credit card and someone steals it, that's the bank's money they're stealing, and you have some really solid defenses against being held liable. Get a credit card and pay the balance off each month. Plus, it's better for your credit score.

It sounds to me like encountered something that isn't just exactly the way you're used to, and you stormed off for no comprehensible reason. PIN-based card transactions are far more secure than signature-based transactions, so it's not like you were even running away from something dangerous or risky.

This doesn't make any sense.

Curmudgeon said:
Believe it or not the safest is using either Apple or Google pay since a token is all that transmitted between you and the payer and is only good for that one transaction
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I love using Android Pay for that very reason. But something like that would really scare the crap out of OP.
 
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scmoose said:
On a side note, who gets their free annual credit reports, and from where?
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I have a Discover card and they provide FICO scores free, updated monthly.
 
I rarely carry more than a few dollars cash anymore. I put my hand over the keypad when entering my pin, and use the credit options at gas stations. It seems like gasoline pumps are the most popular place for crooks to plant cameras.
 
@Goofyfoot2001 you consider that you've decided to change based on what a single minimum wage employee told you, one time? Hit cancel, see if it works.

That said, my ATM card is not a debit card, and my credit card is just a credit card. So, when they want me to start using a pin with my chipped credit card I'll have a pin just for that. If someone in the store is able to grab my card number, the security code from the transaction and the pin code from watching me enter it at the terminal, and then has the ability to forge the card or the knowledge to sell the data, well then I guess they'll get me.
 
They won't get you at all. When you notice a fraudulent charge, just call your credit card company and they'll remove it. Recently, I was at Home Depot and made a very small charge. That evening, I happened to go to my credit card's website and found a charge at Home Depot (timing, after I'd returned home) for nearly $1000. I called the credit card company, they removed the charge, cancelled the cards and I had new cards the following morning.
 
JimB said:
@Goofyfoot2001 y... and then has the ability to forge the card or the knowledge to sell the data, well then I guess they'll get me.
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It's my understanding that the whole point of chipped cards is that they can't be cloned, unlike unchipped cards with just the magnetic strip..
 
Goofyfoot2001 said:
Well, maybe you can. I went to get some primers today at lunch here in Charlotte and went to check out and asked if I should hit OK or Cancel for credit. I never put my pin number in anyplace but at an ATM. The lady said that if it was Wellsfargo or some other bank that you had to put your pin in.

I said, "nope," and walked out leaving my purchase. I won't be shopping at Cabelas again I guess. Shame. I liked Cabelas, but I can shop elsewhere and online.
Click to expand...

This maybe a new thing at box stores and supermarkets.
I stopped by Harris Teeter supermarket in Steele Creek on my way home this afternoon and they have sign that read if you use a debit card as credit you are required to enter your pin. And, another sign that read that certain financial institutions are issuing a pin with a chip card that you are required to enter. The latter is a European card requirement which I had with my old corporate card.


Sent from my NSA enabled iPad using Crapatalk
 
fieldgrade said:
It's my understanding that the whole point of chipped cards is that they can't be cloned, unlike unchipped cards with just the magnetic strip..
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I think it's a lot harder, of course nothing is impossible.

@Jeppo exactly, as I said in some other thread, the card companies have done a great job making us think it's our problem, while at the same time demonstrating whenever there is a problem that it is not ours. I don't stress about it, just check the statement and respond to any alerts they send me.
 
Goofyfoot2001 said:
I don't want someone to see my PIN. I can't count the number of times I've seen someone PIN just standing in line behind them. Plus the cameras about the registers. Go ahead an put your PIN in. I'm not doing it. If Cabelas wants my business then they need to accept my money first. If I have cash then maybe I'll stop by sometime but I don't often use cash and I'll never bother going out of my way to get cash for a retailer. They are under no obligation to take my money of course. That's the American way. The STUPID way is to not take my money when I'm willing an able to give it to them.
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Huh? This isn't rocket science.

Use one hand to cover the pad and the other to enter the PIN.

Block the view of the pad with your body.

Lean over the pad with your body.

Hold your hand palm down over the pad to cover its view and use your thumb, hidden by tucking under your palm, to enter your PIN.

Point away in the distance and yell "LOOK! A BUNNY RABBIT!" Then enter your PIN when everybody looks away.
 
Curmudgeon said:
Europe is just the opposite, you use a chip and pin with credit cards. Not sure what is safer, chip and pin or chip and signature. Believe it or not the safest is using either Apple or Google pay since a token is all that transmitted between you and the payer and is only good for that one transaction
Click to expand...

Chip and PIN are a h*ll of a lot better than the way we insisted on conducting credit card and debit card transactions here. I'm glad we FINALLY went to it.

Used to be all you needed was a card and a signature. And an ID.

Now they don't even check ID's in many places.

Then they added that ^$(&*&^)%#^%)$# stupid "security code" to the card. Some f*cking "security code"! They EMBOSS the d*mn thing on the back of your friggin' card! You're not supposed to write your d*mn PIN number on your card, why the f*ck would you EMBOSS the security code on it?

For card transactions in stores, having a PIN is an awesome way to prevent someone else from using it. To make a purchase, you need the card AND the PIN.

And if you think your PIN might have been compromised? Well, don't let someone else have your card and call your bank/credit union up and change the PIN. Only takes a couple minutes.


If you want to be concerned about anything, be concerned with places that DON'T require a PIN to use your card. Ever buy gas? If you run the card as a credit card, many pumps require you to enter your billing Zip Code. Gee, not much security there if someone lifted your wallet with your driver's license in it...
 
Interestingly, the card companies are going away from embossing, probably just a cost cutting move, but the front of the card now only has my name. The rest is printed on the back.

You are spot on about the ID, I used to write "ask for ID" in the signature space on the card and maybe one in 20 clerks would actually do so.

Security-wise, our cards will never be secure online as things stand. if your card is stolen, they have the number and CVV. No PIN or chip will ever defeat that since your computer doesn't have a credit card reader attached.
 
As far as Cabellas, the board is voting on the Bass Pro take over this week ($5.5bil). I have no idea how that affects the status of existing stores or closing of stores. It's all in the fine print. LOL.
 
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Curmudgeon said:
Europe is just the opposite, you use a chip and pin with credit cards. Not sure what is safer, chip and pin or chip and signature. Believe it or not the safest is using either Apple or Google pay since a token is all that transmitted between you and the payer and is only good for that one transaction
Click to expand...

Seems like the signature doesn't really mean anything. I sign mine different every time and nothing has ever came of it.
 
Curmudgeon said:
You are spot on about the ID, I used to write "ask for ID" in the signature space on the card and maybe one in 20 clerks would actually do so.
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The merchant terms of service state that they are not allowed to require ID for a purchase and whether or not to approve a transaction is a determination made solely by the processing company. Therefore, even if you request to be asked for ID they're not likely to bother.

Chip and pin is much better then chip and signature, but online will still be weaker. A work around would be a system that uses one time use tokens for online purchases without actually transferring the card info. Let's face it, 16 digits most of which are allocated to a function and a 3 digit code is NOT going to be secure these days. Hell, much bigger security and encryption keys get cracked all the time. A CC number is child's play.
 
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