Monthly or Annual?

[Rich]

Originally Posted by Andilinks

How much more quickly (in days) must you report the debit card's being compromised?
Andi

For physical card loss, your liability will be limited to $50 if you report the loss within 2 days. You could be held liable for up to $500 if the loss is not reported within 2 days.

You also risk unlimited loss if you do not report a fraudulent transaction within 60 days of receiving your bank statement.

For the case when the card is not stolen but a fraudulent transaction occurs you must report the fraudulent transaction within 60 days of receiving your bank statement.

For those using a debit card for transactions, I highly recommend using online banking and software such as Quicken or Money so you can review all transactions with a day or two of their occurance.

[Andilinks]

...within 60 days of receiving your bank statement.

That's not as bad as I had thought, but the debit card still is riskier if for no other reason than that losses are immediate and the recovery from fraudulant use much more difficult. Not to mention the inconvenience and unease of constant monitoring and vigilance...

[John Kennett]

Just as an update, I have now got all my accounts in order!

It has taken a bit of head scratching, and a fair bit of staring at the screen with my head in my hands, but I got there. It was complicated by a misunderstanding where some credits (a couple of overpayments) were applied randomly[1] to different accounts which didn't help.

I now have a spreadsheet showing the renewal date for each account and their payment status, and I pre-pay for 12 months hosting. I'd still prefer a proper annual payment system, but I can live with the new way.

All credit to the FQ staff who have done everything in their power to help, and have very cheerfully made manual adjustments for me where I needed to move credits from one account to another. Without their help, and the information that Questadmin makes available, I'd probably have given up in despair.

[1] It probably wasn't random, but it confused the hell out of me!

John