Ladies and gentlemen stop carrying around junk you don’t need, especially credit cards and blank checks. If your purse or wallet is lost or stolen you will surely regret carrying around a bunch of unnecessary junk. There is no way I need to have three debit cards in my wallet and several credit cards. If you are going to use them, use them and take them out and put them away. Please don’t carry around your social security card or PIN (personal identity number) numbers. As far as PIN numbers select something that is super easy for you to remember, but not easily evident to someone else.  
Recently my debit card was compromised. See I was really going somewhere with this story. I didn’t realize it until I tried to make a small purchase and was denied. Talk about embarrassing to be denied for a $3 purchase. Lucky for me I was in the grocery store that also has a branch of my bank. I popped over to the teller and found out that my card had been part of a compromise at a merchant or an ATM, my card had been closed and a new one was overnighted.
A compromise can mean hackers or the possibility of a device called a skimmer on the front of an ATM or maybe a skimmer was discovered at a business that I had paid a visit to recently. Fortunately, in my other world (day job) I work with debit card fraud.  Funny I never thought I would be a victim. Because I know the threat of cyber thieves I check my account a minimum of twice a day to see if there are unauthorized transactions.  I was only inconvenienced for a short period of time and thanks to FEDEX, my GPS and a lead foot I was able to pick up my new card that night and get back in the spending business before the night was over.
(Email the columnist at debbie­

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