Security by insurance. Dispute the fraudulent charges!
One of my business cards has had a chip in it for years. Only used it a few times. Ironically, McDonalds is one of the places that takes the contactless payment (on business trips everything gets charged - even the $2 breakfast and coffee, :lol.
If you use some aluminum foil and make a pocket in it will protect your cards.
I insist none of my cards be RFID. And I check them too. I you have questions call you card company and have them issue you a new RFID free card.
Some students at Tech did this and got 600+ account numbers with a palm RFID reader held in the hand just to prove it could be done.
Rule number 1: Never have or use a debit card except when you go to the ATM to withdraw money
Rule number 2: Never carry the debit card on you except to go to the ATM
Rule number 3: Only use credit card to perform purchases.
The reason is very simple: If a crook gets you with your debit card, the money is gone. If a crook gets you with the credit card, their money is gone.
In the last 5 years (Since July 2005), I had to change credit card 14 times because of fraud. NEVER it was more trouble than calling the credit card company to contest the charges and change the numbers of automatic payments.
My best friend 3 months ago got screwed with his debit card. It took one month to get the money back into his bank account, 4 calls to the bank and 2 visits. Moreover, he was out of an ATM card for one month and half.
I know some of you may have had different experiences. But why risk it? Also, most credit cards have a double your warranty clause, "customer satisfaction clause" and "Oh my God, I broke the vase by dropping it on the ground!!!" clause if you buy with the card (except motor vehicles and a few other items). Why pay a premium for extended warranty when you have one free?
For those who say they spend too much with credit cards: If you do not have the intellectual discipline to manage your expenses and pay every month the whole balance, how the heck can you have the mental discipline to carry all the responsibilities to carry a gun! :sly:
Oh! and by the way, I get a fat check every year because both of my cards are 1%/2% cash back.