Index: [thread] [date] [subject] [author]
  From: Jonah Bossewitch <jb2410@columbia.edu>
  To  : <cpc@emoglen.law.columbia.edu>
  Date: Sun, 27 Feb 2005 22:25:49 -0500

Re: debit cards aren't that bad

Just remember, that although you may be covered for fraud, you are not 
covered by the  Fair Credit Billing Act.  This means, you have far fewer 
options when it comes to disputing the charge, or withholding payment if you 
are dissatisfied with the merchandise.

http://www.bankrate.com/brm/news/cc/20010706a.asp
http://www.ftc.gov/bcp/conline/pubs/credit/fcb.htm

I am certainly not a fan of the credit card companies, or thier vicious 
predatory practices, but for the moment, it is still possible to work them 
to your advantage (although, even if you ever finally manage to get a person 
on the other end of the phone, it quickly becomes obvious that "the 
machines" are already the ultimate authorities in those organizations).

In other news, for more info on the classified dissertation mentioned in 
class:

http://www.villagevoice.com/news/0351,essay,49520,1.html

Mushroom : The True Story of the A-Bomb Kid by John Aristotle Phillips

http://www.amazon.com/exec/obidos/tg/detail/-/0671827316/qid=1109560975/sr=8-1/ref=sr_8_xs_ap_i1_xgl14/104-0159336-5579174?v=glance&s=books&n=507846

best,
Jonah

----- Original Message ----- 
From: "Eric Rauch" <erauch@gmail.com>
To: <cpc@emoglen.law.columbia.edu>
Sent: Sunday, February 27, 2005 2:10 PM
Subject: Re: debit cards aren't that bad


>
> hey thx for pointing that out.  I was about to trade my debit card for
> a plain vanilla atm card.
>
>
> On Sun, 27 Feb 2005 08:21:17 -0500, Camden Hutchison
> <crh2014@columbia.edu> wrote:
>>
>> Before anyone cancels their debit card, be aware that both
>> MasterCard and Visa provide zero-liability fraud protection
>> policies as a standard feature of all of their cards (credit and
>> debit).  These policies were adopted voluntarily in 2000 in
>> response to the demands of the market.
>>
>> -Camden
>>
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>>
>
>
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