Skimming

[Ward P]

I am not sure if my transactions or spending patterns are any different to yours guys (and girls) but I never use ATMs. I have seen a program on TV a while ago on how easy it is for clever thieves to get your details and decided that I will not feed the bastards and none of my cards even have a PIN. I think you need to ask yourself why would you need cash when you can pay with a credit card everywhere now? And you get points for it :-) (Unless you get a better price of course) Use the bank's money while yours is earning the interest!

I do the same, never use my cash when I can use credit (even a 50c icecream at Maccas)I am a great believer in keeping my money paying off debt/invested when the banks will give you free credit. but I always use a pin. heaps of countries now don't accept a signature and insist on a pin. At Coles under $30(I think) requires no pin and no sig.