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<p>[QUOTE=&quot;mitchell, post: 13375, member: 989&quot;]I hate credit cards ( the borrower is slave to the lender) but I use credit cards for online and telephone purchases, just for the fraud protection.&nbsp; I pay it off at the end of the month.&nbsp; Unfortunately, I don&#039;t get miles, just a low rate.</p><p><br /></p><p>I was at a customer account Thursday, and he just had a bad check written against his account.&nbsp; Somehow, the bank caught it and did not cash the $1,500 check.&nbsp; That shook him up as to how the criminal got the account number.&nbsp; Little do people know that the State of Tennessee (pronounced Tennersayee) uses convict labor at computer stations to process some type of personal information. I think they allow credit card companies to use the convict labor for certain tasks.&nbsp; There have been scandals where this has lead to problems.</p><p><br /></p><p>Back to my original intended point: that customer told me of a scheme the crims are using where they steal mail from a private mail box around the first of the month hoping to catch bills going out.&nbsp; They take bills like phone and electric because it is obvious to them it is a payment, but not to the homeowner as to what happened.</p><p><br /></p><p>The crims will put tape over the signature and wash the ink off the check, then dry the now blank check.&nbsp; They then remove the tape from the signature, fill out the check and go cash it.&nbsp; There is only one type of ink that will not wash out, and I forget what it is called.</p><p><br /></p><p>I guess I would prefer they steal the check out of the mailbox, as compared to catching me at an ATM, which is a bad choice for them considering I carry a concealed weapon and have a LOT of training in personal defense.&nbsp; </p><p><br /></p><p>Criminals are getting very clever in their methods. Identity theft is becoming a favorite of the local gangs.[/QUOTE]</p><p><br /></p>

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