Another thing you can do is to keep available funds on whatever card you use online low. If there’s only 1 to 2k on the card, yes it’ll suck, but it won’t be as impactfull as your life savings.
You a might also consider credit card with a small limit (1k or less) and set auto pay to “pay full balance” every month. Avoid interest like the plague, (those cards have insane interest rates over 20%), but if you’re always paying it off in full, there’s no interest to pay.
If I can’t pay the credit card off in full (and I mean the full limit) when I “swipe” it, I pretend it does not exist. None of the “I get played next week, so I can pay it off then” - nope, don’t go there.
Supposedly credit cards have better fraud protection than a debit, but maybe that’s just another one of our many “Freedom” problems.
The main thing is you’re separating the random websites from the majority of your funds to limit how much can be taken.
If there’s a problem, I’m dealing with Privacy.com and a couple hundred bucks and can still pay the bills. I’m not trying to convince ebayclone#71 and my bank I didn’t place an order for 10000 waffle makers before the lights shut off.
And of course, I’m just some rando on the internet, not an actual expert. Not even in same country as you, so take that for what it is.
That’s unfortunate.
Another thing you can do is to keep available funds on whatever card you use online low. If there’s only 1 to 2k on the card, yes it’ll suck, but it won’t be as impactfull as your life savings.
You a might also consider credit card with a small limit (1k or less) and set auto pay to “pay full balance” every month. Avoid interest like the plague, (those cards have insane interest rates over 20%), but if you’re always paying it off in full, there’s no interest to pay. If I can’t pay the credit card off in full (and I mean the full limit) when I “swipe” it, I pretend it does not exist. None of the “I get played next week, so I can pay it off then” - nope, don’t go there.
Supposedly credit cards have better fraud protection than a debit, but maybe that’s just another one of our many “Freedom” problems.
The main thing is you’re separating the random websites from the majority of your funds to limit how much can be taken. If there’s a problem, I’m dealing with Privacy.com and a couple hundred bucks and can still pay the bills. I’m not trying to convince ebayclone#71 and my bank I didn’t place an order for 10000 waffle makers before the lights shut off.
And of course, I’m just some rando on the internet, not an actual expert. Not even in same country as you, so take that for what it is.
1k or 2k? Lol, my debit cards only have $20 at a time on them at max.