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Author Topic: Suggest an Opinion Poll Question Back to Topics
DC

Moderator
Message Posted: Feb 20, 2001 9:38:26 PM

On GasBuddy, there are two types of polls. Polls about fuel, fuel prices, vehicles, driving, etc. are called Opinion Polls. New Opinion Polls are created each week, and presented on the left side of the home page; members can earn 100 points each week for answering them.

Polls about the workings of this Web site are called Member Polls. The link to the Member Polls is only present when a member is logged in, but is shown at the top of every page. Member Polls are created only occasionally, when and if the admins feel the need. (No points are earned for answering Member Polls.)

If you have a suggestion for an OPINION Poll, you may post it here for the admins' consideration; please do NOT post such suggestions in the Member Polls topic.

If you have a suggestion for a MEMBER Poll, those suggestions should be posted in the Member Polls topic, and NOT here.

[Edited by: GM at 4/10/2008 11:27:57 AM EST]
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CC
Moderator
Message Posted: May 22, 2015 1:22:19 PM

I entered "A". Thanks.
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scoutmaster
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Message Posted: May 22, 2015 6:54:49 AM

*** Moderator ***

Here is our question for next week. Please let us know when you get it.

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'm not particularly concerned
• I'm concerned but take the risk
• Depends on the station/location
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 21, 2015 5:14:11 PM

I will. Are we using the skimmer one?
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ziyulu
Champion Author Austin

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Message Posted: May 21, 2015 5:00:09 PM

Will someone please post the poll on Friday in case I don't get to it?
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mnjrfan
Champion Author Twin Cities

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Message Posted: May 20, 2015 7:25:37 AM

Oops, my bad scoutmaster.

I was referring to your question: "What are we going with this week?".
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 20, 2015 7:16:30 AM

As of now, it does look that way, mnjrfan, but it's Larry's mini-poll, not mine. And we still have a couple days.
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mnjrfan
Champion Author Twin Cities

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Message Posted: May 20, 2015 5:17:13 AM

scoutmaster, appears to me that 'A' is preferred in your mini-poll.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 19, 2015 6:16:22 AM

What are we going with this week?

[Edited by: scoutmaster at 5/19/2015 6:16:54 AM EST]
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LarryMarg
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Message Posted: May 18, 2015 12:39:10 AM

I note that "D" doesn't have a choice for people who are concerned but will take the risk for either type of card.
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ziyulu
Champion Author Austin

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Message Posted: May 18, 2015 12:22:18 AM

I vote for A as well.
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bugc
Champion Author Boston

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Message Posted: May 17, 2015 5:52:19 PM

My preference is clearly A.

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TxJeans
Champion Author Tampa

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Message Posted: May 17, 2015 7:46:14 AM

A does not include it all.

My choice still is C, but next up is B - Larrymarg.

C includes it all (well almost all) and is the only one with a clear answer for me.

"Depends on the station/location, but only with credit"
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 17, 2015 6:40:49 AM

"A" includes it all. "A" gets my vote.
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mnjrfan
Champion Author Twin Cities

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Message Posted: May 17, 2015 6:30:09 AM

'D' makes most sense as it stands now.

'C' gives me a headache.

'A' would be my preferred, but with an addition of some variation of 'not knowing what skimmers and/or pump fraud was'. I believe there to be many out there who are unaware, just as I to what 'skimmers' are. I googled it to learn more.
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WR-INC
Champion Author Twin Cities

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Message Posted: May 17, 2015 6:18:52 AM

I'd say that "D" makes the most sense.
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Byte_Doctor
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Message Posted: May 16, 2015 10:47:51 PM

I've been staying out of the discussions in here recently for a variety of reasons, but for what it is worth, I vote A.
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LarryMarg
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Message Posted: May 16, 2015 10:44:35 PM

Is it time for a vote?

Here's z's original, which I'll call 'A':

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'm not particularly concerned
• I'm concerned but take the risk
• Depends on the station/location

Here's my addition ('B'), splitting out credit & debit in one choice:

• I never pay at the pump by credit/debit card
• I'd use a credit card but not a debit card
• I'm not particularly concerned
• I'm concerned but take the risk
• Depends on the station/location

Here's TxJeans' full-bodied proposal ('C'):

• I never pay at the pump by credit/debit card
• I'm not particularly concerned using either credit or debit
• I'm concerned but would risk credit card or debit card
• I'm concerned but would risk credit card but not debit card
• Depends on the station/location with either credit or debit
• Depends on the station/location, but only with credit

And here's scoutmaster's alternate ('D'), which nobody has suggested is necessary, but which includes "debit but not credit".

• I never pay at the pump by credit/debit card
• I'm not particularly concerned using either credit or debit
• I'm concerned but would risk debit card but not credit card
• I'm concerned but would risk credit card but not debit card
• Depends on the station/location
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 16, 2015 9:48:25 PM

There would only be 5 LarryMarg if we used this

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'm not particularly concerned using either credit or debit
• I'm concerned but would risk debit card but not credit card
• I'm concerned but would risk credit card but not debit card
• Depends on the station/location

But I still don't think that is necessary since this

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location

is sufficient
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LarryMarg
Champion Author New York

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Message Posted: May 16, 2015 7:51:13 PM

I wrote:
> that's already 6 choices, so adding another might be problematical for TPTB.

scoutmaster wrote:
> we have submitted questions with 6 answers in the past

If there are already 6 choices, adding one makes it 7.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 16, 2015 4:08:38 PM

"The bigger risk is for debit card users. Not only can one account be affected, but w/ overdraft, it can link to their other account/s."

Your identity can be stolen by either credit or debit card. A debit card can be linked to all of your bank (checking, savings, money market) accounts. Only a savings account or line of credit (loan) can be used for overdraft protection, so that really makes no difference.

A credit card can be secured by a bank account and that increases the risk of losing all the funds in the bank account.

"I would not make a distinction between credit and debit cards."

Neither would I. I don't think it's necessary.

"> If you are going to break them out then you need
> • I'd risk debit card but not credit card

Why? People have suggested that they'd risk credit and not debit; I haven't seen anyone saying the opposite.'

Nor have I but that doesn't mean the risk doesn't exist. And we have submitted questions with 6 answers in the past and they have been accepted.
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LarryMarg
Champion Author New York

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Message Posted: May 16, 2015 1:52:54 PM

> why do you need more than one answer to pick?

The complaint was that there isn't one answer to pick.

> neither the question or any of the answers deals with credit cards ONLY.

Exactly - and that's the problem.

> The question and the answers deal with both credit AND debit cards.

And if the question and answers don't deal with them separately, but people would choose different answers for credit cards than they would for debit cards, that's a problem.

> If you are going to break them out then you need
> • I'd risk debit card but not credit card

Why? People have suggested that they'd risk credit and not debit; I haven't seen anyone saying the opposite. And if we go with what TxJeans suggested May 15, 2015 7:15:22 AM (EDT; your timezone may vary), that's already 6 choices, so adding another might be problematical for TPTB.

(Note that I don't have any objection to including it; I just think it wouldn't get anyone answering that way, so if we're exceeding the preferred number of choices, I think that should be the first to go.)
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bugc
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Message Posted: May 16, 2015 1:43:05 PM

I would not make a distinction between credit and debit cards.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 16, 2015 7:13:10 AM

"With YOUR version, there is no one answer for me to pick."

1st off, it's not my version. 2nd, why do you need more than one answer to pick? 3rd, neither the question or any of the answers deals with credit cards ONLY. The question and the answers deal with both credit AND debit cards.

Personally, I seldom use my debit card for anything as I like to keep my $$$ where it will earn me $$$ for as long as I can.

If you are going to break them out then you need

• I'd risk debit card but not credit card
and
• I'd risk credit card but not debit card
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TxJeans
Champion Author Tampa

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Message Posted: May 16, 2015 6:43:08 AM

"I'm inclined to just limit the question to credit cards only, but risks occur with either."

I think that would be a mistake. The bigger risk is for debit card users. Not only can one account be affected, but w/ overdraft, it can link to their other account/s.

Same with doing only debit cards, there are a lot that refuse to use a debit card. In fact, mom's bank discontinued ATM cards for a while but was forced to go back and offer them instead of just offering debit cards.

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ziyulu
Champion Author Austin

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Message Posted: May 16, 2015 6:23:08 AM

I'm inclined to just limit the question to credit cards only, but risks occur with either.
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LarryMarg
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Message Posted: May 16, 2015 12:55:49 AM

scoutmaster wrote:
> Where in the question OR answer does it state "BUT ONLY FOR CREDIT CARD" OR "ONLY with CREDIT CARD AND ONLY AT SOME STATION/LOCATIONS"? It doesn't. That is your interpretation, TxJeans, and it is incorrect.

You're correct that nowhere in z's choices does "ONLY FOR CREDIT CARD" appear. TxJeans wasn't interpreting it that way; they were saying that they would respond to that particular choice in a different way for credit cards than for debit cards.

Since some of us would respond differently for credit cards and debit cards, it seems worthwhile to me to break them out. If someone doesn't perceive any difference in risk between credit and debit cards, then they wouldn't choose one of the answers that treats them differently.
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TxJeans
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Message Posted: May 15, 2015 11:11:44 PM

I'll leave it up to you all to decide.

The question doesn't HAVE to state only.

The fact is that the answers folks have may be only's as pointed out by LarryMarg.

There is a difference in perception (and in reality) of how one is affected by having a credit card vs a debit card compromised through skimming. And, because of that difference, the answers for many would be different.

With YOUR version, there is no one answer for me to pick.

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card <-- doesn't apply as I will use a CREDIT card at SOME pumps.
- I'm not particularly concerned <--- I am not particularly concerned about using a credit card, but am very concerned about using debit cards at the pump.
- I'm concerned but take the risk <--- same as not particularly concerned - I will take the risk, but only with a credit card, and WOULD NOT TAKE THE RISK with a DEBIT card (for more than just skimming - but also because of holds).
- Depends on the station/location <---And, regarding taking that risk that I already said I would take with the credit card but not the debit card?? Well, that risk is taken only at stations/locations that are well lit, well managed and in safe neighborhoods.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 15, 2015 1:17:24 PM

"No, it doesn't.

- I'm concerned but take the risk - BUT ONLY FOR CREDIT CARD
- Depends on the station/location - ONLY with CREDIT CARD AND ONLY AT SOME STATION/LOCATIONS."

Where in the question OR answer does it state "BUT ONLY FOR CREDIT CARD" OR "ONLY with CREDIT CARD AND ONLY AT SOME STATION/LOCATIONS"? It doesn't. That is your interpretation, TxJeans, and it is incorrect.
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Nomofriggincube
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Message Posted: May 15, 2015 12:55:19 PM

I tug on the machine to make sure it is not an add on by someone and that it is part of the machine itself. TX Jeans idea is a good one in my opinion.Plus do you check the machine for anomalies before inserting your cc?
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TxJeans
Champion Author Tampa

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Message Posted: May 15, 2015 12:54:51 PM

"The 1st answer covers either credit or debit cards.
The 3rd answer cover the risk for credit or debit cards.
The 4th answer covers the station and location of the station."

No, it doesn't.

- I'm concerned but take the risk - BUT ONLY FOR CREDIT CARD
- Depends on the station/location - ONLY with CREDIT CARD AND ONLY AT SOME STATION/LOCATIONS.

Some stations/locations I wouldn't use even the credit card while others I would.
And, I would NEVER use a DEBIT card.
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TxJeans
Champion Author Tampa

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Message Posted: May 15, 2015 12:49:57 PM

" It wasn't until I checked the FTC site when posting the other day that I learned there's zero liability if you haven't lost the card, provided that you report the fraudulent activity in time. "

That liability limitation is not protected by law (unless recently changed) in the same manner for DEBIT cards as CREDIT cards and the hassle is much bigger sorting out the bounced items for a DEBIT card than a CREDIT card. (If I recall, something about Regulation E for debit cards, and a different one for credit cards).

But, even if it is, with a credit card, everything is held in dispute while investigated, and you have full control of your moola. For Debit cards, money leaves your account immediately and you may have bounced payments that you will have to sort out. Yeah, you *might* have zero liability in the end, but in the meantime you have a bigger mess to clean up. Like explaining to someone why your check bounced and your payment was late.

As to the piece of trash - that is a favorite term for one of the consumer talking heads. And I agree. I use ATM along with credit cards and no auto payments out of my bank account.


[Edited by: TxJeans at 5/15/2015 12:52:46 PM EST]
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LarryMarg
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Message Posted: May 15, 2015 10:03:44 AM

scoutmaster - z's most recent suggestion doesn't cover it, because there's no separation of credit and debit, and two of us have expressed that we'd use a credit card but would feel that using a debit card is too risky.

Also, please keep in mind that this is an opinion poll, so we have to take into account people's perceptions even if we might know better. For example, I know that my potential loss is higher if I lose a debit card than if I lose a credit card, and I thought the same was true if someone stole my account information and used it to pay for things. It wasn't until I checked the FTC site when posting the other day that I learned there's zero liability if you haven't lost the card, provided that you report the fraudulent activity in time.
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ziyulu
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Message Posted: May 15, 2015 9:04:04 AM

*** Moderator ***

Here is our question for next week. Please let us know when you get it.

If and when E15 (15% ethanol) fuel becomes available in your area, will you be willing to use it?
- Yes
- No
- N/A
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 15, 2015 7:24:57 AM

This does cover it.

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location

The 1st answer covers either credit or debit cards.
The 3rd answer cover the risk for credit or debit cards.
The 4th answer covers the station and location of the station.

Seems complete to me.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 15, 2015 7:22:15 AM

I understand the risk TxJeans. A debit card can be attached to one or more of you bank accounts and the information a skimmer can get could allow the thief to wipe out your accounts. Is that what you are talking about?

Piece of trash debit card? You are gonna have to explain that one.

If your credit card gets skimmed, you could be liable for less depending on your type of credit card and if it is linked to any of your bank accounts, but the information the thief could get could result in identity theft and that can be a huge problem. And identity theft could also happen if you debit card or ATM card get skimmed.

There is risk using both credit and debit cards. Keeping daily tabs on your accounts will help limit your risks.

Yeah I brought up

"You could say the exact same thing about

• I'd risk credit card but not debit card"

which has nothing to do with how you pay your credit card bills. Glad to hear you pay your credit card bills off each month, even though I never asked. I do as well.
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TxJeans
Champion Author Tampa

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Message Posted: May 15, 2015 7:15:22 AM

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'm not particularly concerned using either credit or debit
• I'm concerned but would risk credit card or debit card
• I'm concerned but would risk credit card but not debit card
• Depends on the station/location with either credit or debit
• Depends on the station/location, but only with credit

With this:
Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location

No, it doesn't cover it.

there is overlap - 1) would only risk with credit card - which is not addressed even though the risks are vastly different in how it affects the person., 2) it also depends on the station/location if I would risk paying at the pump (and if for some reason I was on fumes ;-)



[Edited by: TxJeans at 5/15/2015 7:19:09 AM EST]
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TxJeans
Champion Author Tampa

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Message Posted: May 15, 2015 7:08:20 AM

"Yeah I work in banking and I understand the difference, TxJeans, and a skimmer is used to get card information, debit OR credit, so the risk is there for both. Not paying off your credit card bill every month has nothing to do with a skimmer, so why even bring that up?"

Because you brought it up when you said:
"You could say the exact same thing about

• I'd risk credit card but not debit card"

The skimmer can be used to get card information for debit OR credit but the risk from getting skimmed is not the same. Don't you understand that? You are in banking. You should understand exactly what I am talking about. But then bankers like to push the piece of trash DEBIT card. For me ATM and CREDIT. And, yes, I pay my credit card in full each month.

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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 15, 2015 5:12:09 AM

Yeah I work in banking and I understand the difference, TxJeans, and a skimmer is used to get card information, debit OR credit, so the risk is there for both. Not paying off your credit card bill every month has nothing to do with a skimmer, so why even bring that up?

I still like

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location

This covers it.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 15, 2015 5:07:47 AM

Yes I agree ziyulu.
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ziyulu
Champion Author Austin

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Message Posted: May 15, 2015 3:27:42 AM

Since we're still working on the credit card skimmer question, let's run the E15 poll. Does everyone agree?

If and when E15 (15% ethanol) fuel becomes available in your area, will you be willing to use it?
- Yes
- No
- N/A
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LarryMarg
Champion Author New York

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Message Posted: May 15, 2015 12:51:52 AM

In case the concern about overlap is related to the word "risk", how about:

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'd use a credit card but not a debit card
• I'm not particularly concerned
• I'm concerned but take the risk
• Depends on the station/location

(Note: If nobody likes my addition, I'm fine with z's version.)
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TxJeans
Champion Author Tampa

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Message Posted: May 14, 2015 9:52:22 PM

"You could say the exact same thing about

• I'd risk credit card but not debit card"

Nope, the risk of using the credit card that I was referring to was not having to do with skimming at all - it had to do with their own risk of not paying credit card off in full each month.

The difference of the credit card vs debit card is the risk of harm from skimming is far less for a credit card than for a debit card. Don't you work in banking? You should understand that difference.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 14, 2015 1:52:19 PM

""• I'd risk debit card but not credit card"
I see no reason to add that. If a person would risk using a debit card and not a credit card it has nothing to do with skimming risk but with their own risk tolerance of using a credit card for anything."

You could say the exact same thing about

• I'd risk credit card but not debit card

I still think this

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location

covers it and we should run with this one this week.
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TxJeans
Champion Author Tampa

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Message Posted: May 14, 2015 12:11:30 PM

"• I'd risk debit card but not credit card"
I see no reason to add that. If a person would risk using a debit card and not a credit card it has nothing to do with skimming risk but with their own risk tolerance of using a credit card for anything.

I think this one needs to veg a while and is not ready for this week.

[Edited by: TxJeans at 5/14/2015 12:12:51 PM EST]
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mnjrfan
Champion Author Twin Cities

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Message Posted: May 14, 2015 7:59:04 AM

Possibly drop the 'I'd risk credit card but not debit card' and add 'I’ve never heard of skimming and/ or identity theft at the pump' to the remaining options.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 14, 2015 7:40:36 AM

I don't think we need

• I'd risk credit card but not debit card

If we do add it then we need

• I'd risk debit card but not credit card

I understand the risk is greater with a debit card, but I don't think we need this breakout since it is covered with

• I'm concerned but take the risk.

I still like

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location
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TxJeans
Champion Author Tampa

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Message Posted: May 14, 2015 7:29:43 AM

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'd risk credit card but not debit card
• I'm not particularly concerned
• I'm concerned but take the risk
• Depends on the station/location

I see the concern of overlap, but in this case, I think maybe it is ok.

For that matter, the " I'm concerned but take the risk" overlaps with the "Depends on the station/location" just as much as with the "risk the credit but not the debit".

There are a lot of folks that consider the risk vastly different between debit and credit cards. I would be one to choose the "I'd risk credit card but not debit card" as my credit card company for the card I use mainly for gas has been very good at monitoring and contacting me if suspicious activity. There was a pump that the keyboard wasn't working well and I was having trouble entering my zip. The CC company blocked my card, and it took just a quick call to clear things up so I could try another station/pump.

I would NEVER take the risk with a debit card - in fact, I only have 1 debit card and it has a $1 limit and exists only for the cvv code so I can transfer funds in and out of that bank.

So, unless there is a tweak for the "I'm concerned" I would leave the overlap and let users chose and qualify.

EDIT - on second thought, I think we need to review all the answers again...
I see the overlap between the three:
• I'd risk credit card but not debit card
• I'm concerned but take the risk
• Depends on the station/location
more of a problem than just between the two. I am concerned but take the risk - but I take the risk only with my Credit Card, and ONLY at stations/locations I feel comfortable.


[Edited by: TxJeans at 5/14/2015 7:32:55 AM EST]
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mnjrfan
Champion Author Twin Cities

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Message Posted: May 14, 2015 5:34:29 AM

I do too.

In LarryMarg's piece, options 2 & 4 seem a bit redundant.
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scoutmaster
Champion Author Pittsburgh

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Message Posted: May 14, 2015 5:08:36 AM

I still like

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?
- I never pay at the pump by credit/debit card
- I'm not particularly concerned
- I'm concerned but take the risk
- Depends on the station/location
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ziyulu
Champion Author Austin

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Message Posted: May 14, 2015 1:42:35 AM

Larry's version has overlap. Isn't the second option overlapping the 4th option?

Are you concerned about skimmers and identity theft when paying for fuel at the pump by credit/debit card?

• I never pay at the pump by credit/debit card
• I'd risk credit card but not debit card
• I'm not particularly concerned
• I'm concerned but take the risk
• Depends on the station/location
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LarryMarg
Champion Author New York

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Joined:Feb 2012
Message Posted: May 12, 2015 8:46:39 AM

I like scout's tweak to z's E15 poll.
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