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Posts posted by HookEmHorns

  1. 7 hours ago, RickS said:

    I've never had a debit card... and I've had a bunch.... that did NOT require a PIN.  Now at some Point-of-sale POS (store/gas station) locations one can opt to use it with a PIN or a signature (if it asks... Debit or Credit?).  Also if/when hacked.... and I've had a couple of those, probably at a gas station skimmer!)... my bank/credit union reimburses the hacked funds pretty quickly.... kill the old card number and then send me another Debit card. I've even had their 'fraud department' call me even before I know I've been hacked and ask if it is I making those purchases!

     In this sense I don't see any difference, risk wise, between a Debit card and a Credit card.  I think that in the 'early days' of Debit cards this protection was not there, but....


    Actually, debit cards do not give you cash back on purchases, mileage, hotels, etc. My understanding from banker is that CCs have much more federal protections than debit cards (CC max loss is only $50, while debit card loss could be Much more) and can offer extended warranties, car insurance,return protections, etc.) I could never find a valid reason to have a debit card.

    • Like 1
  2. 4 hours ago, Mostlylost said:

    Actually as of this year financial experts are still advising against using a debit card for point of sale purchases. 

    If a credit card is stolen or "hacked" you are not out any money from your account. The credit card company freezes the purchase and the payment to the vender, and there is no interest charged. They then investigate the problem and at some point decide to kill the charge or allow the charge. 

    With a debit card is stolen or "hacked" the money is gone from your account instantly.  Smart thieves have been known to drain thousands from the account in a few minutes. The card company will investigate and make a decision about returning the money to your account. Until that happens you do not have the money.  If you  have an online payment pending from the "hacked" account and there are not sufficient funds in your account to cover it it could bounce causing you more problems.

    I was told by a banker that the only safe way to use a debit card was to have a separate account at your bank that you transfer to from your main account daily but ONLY enough funds to cover what you plan to spend that day. Thus, if robbed or lost, that amount of money would be all you will lose. Too much trouble for me, just use a rewards CC, then you also get cash back, etc. No cash back with debit cards.

    • Like 1
  3. 1 hour ago, Mostlylost said:

    so basically if you use your debit card at only ATM's (as recommended by all financial experts) the safety would be exactly the same. 

    Then all you have do do is be aware of ATM's that have been compromised by skimmers  and internal readers that send your information to a nearby bluetooth device. Those ATM's are usually high tourist areas like last year in Cancun with the Russian  group.

    Probably not as safe as an atm card. If you lost it on the way there or back to hiding it, or you were robbed on the street, your debit card could deplete you account of money quickly, but not your atm card. Many debit cards do not require a pin to use outside an atm. :( I think NEVER use your atm card anywhere except a secure bank. I will not have a debit card, ever. Too dangerous, IMHO.



  4. 56 minutes ago, Mostlylost said:

    Actually you get a returno seguro for a vehicle whose TIP has expired.   

    Most cars are removed from Mexico before the Permanente is issued. Or people have friends, or pay someone like RickS to drive the car in question to the frontier and have the TIP exit processed. 


    "Safe Return" Procedure: If your vehicle is currently “illegal” (or will become illegal when you switch from Residente Temporal to Residente Permanente), and you want to take the car out of the country, you can apply for a “Retorno Seguro” permit from SAT, which gives you five days to drive the car out of the country (to the USA or to Belize).

  5. On 5/26/2023 at 5:20 PM, chappy said:

    My temporal expires in September; I know that I have to apply for my permanente a month before it expires.  Our plan is to park the US plated car, not using it until we go north after I get the permanente.  I understand that you can get a returno seguro from SAT in order to drive the car to the border legally.  Is that the office in Guadalajara where we got our RFC?   Or is it the customs place by the GDL airport?  When do I get that pass?  Before I turn in the temporal?  Or do I get it after getting the permanente, just before we depart?  We plan to keep the car so another service to get the car out of Mexico is not an option.  Thanks for any help.

    Not a problem, as the RS is for you to drive it out after you become Permanente.  Not sure where you get it, but you get it AFTER you become Permanente. 

  6. 1 hour ago, Natasha said:

    NOT talking about "inter-bank" exchanges   meant transfer between USD and CAD accounts all in our names, all in SAME bank       and NOT talking about purchases which I know full well can take longer to apply         however, this is getting us all nowhere fast, so let's leave it to the rest

    Here we have been talking only about withdrawing funds at a local atm using only a VISA or a MC atm card to do that . If you get pesos without using either of those two cards, then you are not helping this discussion one bit, but actually hindering it. So wht you have been saying does no apply at all here.

    • Like 1
    • Thanks 1
  7. 8 hours ago, Mostlylost said:

    An ATM card differs from a debit card how?  Does it not take money directly from your account? 

    I believe that a debit card can be used to make purchases at stores and online, but an atm card cannot. At least mine can not be used for store purchases. That is why I have only atm cards, not any debit cards. I think that was what she stated.

    • Thanks 1
  8. 2 hours ago, Mainecoons said:

    Big, rather ugly industrial city.  I suspect this data comparison is actually from airport data and more of a comparison between GDL and here.

    That would be jumping from the frying pan into the fire.


    I remember when I was coming to Mexico in 1997, lookin' for a place to settle and I read a Mexico travel book: "the State of Guanajuato is home to the most beautiful city in all of Mexico, and also the ugliest. Guanajuato and Leon." :D

    • Haha 1
  9. 1 hour ago, peterth said:

    Having read postings on the forum about using the Telcel phone outside of Mexico it seemed like a no problem. Well  we crossed the border into Texas and no more phone, we can text.

    We have the Amigo plan which is 26 days for 150.00 pesos. Do we need a different telcel plan to make this work? or do we need to make settings of some kind  on our cell phones.

    If you have ideas on this problem it would be greatly appreciated. Thank you in advance.

    Dial 001 before you dial the US 10 digit  number. Worked for us.

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