• sugar_in_your_tea@sh.itjust.works
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    3 months ago

    Yeah, I only use credit cards or cash these days, and leave my debit cards frozen/locked. The only time I would need my debit card is to use an ATM, and it’s easy enough to login on my phone and unlock it. I’ve had several fraudulent charges on various cards, and so far it has been resolved with a short phone call and a reissue, and my replacements seem to come faster than new credit cards. The rewards are nice, but the purchase protections are the real reason I use them.

    biometrics

    Biometrics are really nice, and on newer phones, way more secure than a PIN. They’re also local-only, so they’re quite privacy-friendly.

    But absolutely have a backup. I use a long PIN as my backup, and my bank lets me use a long PIN on my debit card as well, so I keep them the same (easier to remember that way). I use my fingerprint for pretty much everything, but I also have my phone reboot itself after a period of inactivity, which forces a PIN login (again, helps me remember it). Oh, and it’s a random PIN, so not something anyone could guess (I’m a developer, so I used a small Python script: import random; ''.join(str(random.randint(9)) for _ in range(N)) where N is your desired length). I ran three of those and picked one.

    And yeah, Bitwarden is fantastic. I apparently have >300 logins, and there’s no way I’d be able to remember that many unique passwords.

    • Xanis@lemmy.world
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      3 months ago

      I got a NEW credit card faster than my bank was able to reissue and send me a replacement debit/credit. By like half the time.

      I wasn’t aware biometrics were more secure. My info is clearly out of date! Though I was also thinking of the forced unlocking of phones by, er…other people.

      Police. I’m talking about the popo.

      Good old Tasker should be able to handle the bulk of automating things like an auto-shutdown. Might still need to insert custom code BUT they have a community. A couple searches and verification that you’re not being a dumbass and downloading something malicious and wham bam easy - or manually type it out. I dunno. Don’t be big dumb.

      Tasker ain’t obsolete yet, dammit!

      Remember, folks! NONE OF THIS MATTERS IF YOU GIVE UP YOUR CREDENTIALS JUST CAUSE SOMEONE CALLED AND SAID GRANDMA WAS INJURED IN A MOTORCYCLE ACCIDENT.