Places Where You should Not Use Your Debit Card

Restaurants

I was once sitting at home in Mumbai enjoying a cup of early morning chai with my mother when I suddenly get a message saying my card has been swiped in a restaurant in Bangalore. Once the initial shock washed over I realized this was a restaurant I had visited a few days back before I boarded my flight to Mumbai. 

Restaurants are one of the few places where you have to let cards leave your sight when you use them. A form of high-tech financial fraud, is on the rise worldwide. It relies on sophisticated data-reading electronics to copy the magnetic stripe information from your credit card or debit card. It can capture both your credit card number and your PIN.


Shady looking ATMs

All ATMs have cameras in them for security reasons; but sometimes ATM skimmers install hidden cameras that could read both your card number as well as the ATM PIN you’ve just punched in. Once the scammers have your number, magnetic strips are easy to make and thieves are able to easily reproduce ATM cards.

There have also been cases where the ATM screen suddenly blanks out after you’ve entered your PIN. Fraudsters get into the ATM and lock a key in the machine this causes the screen to blank off once a transaction is initiated. The scammers wait for you to leave the ATM and then enter after you to unlock the machine and continue with the transaction.

Petrol pumps

Petrol bunks are high risk for debit card users.  Gas station terminals have many characteristics that fraudsters love. The lack of supervision in the pump station, make it easy for fraudsters to place skimming machines.

When you’re a new customer

Whether online or in the real world, if you're a first-time customer in a store, skip the debit card the first couple of times you buy. Only once you’re familiar with the store and are assured there is no foul play should you use your debit card

Expensive items

In case of purchasing heavy duty items like a washing machine or a car it’s best to pay using a credit card. A credit card offers dispute rights if something goes wrong with the merchandise or the purchase. Also, some credit cards offer attractive discounts on purchase of consumer durables.

Making reservations at hotels

When making hotel reservations for future travel it maybe best not to part with your debit card information.

Security deposits

When making security deposits while buying items on EMI it would be best to use your credit card instead of the debit card. That way, the store has its security deposit, and you still have access to all of the money in your bank account.

Buy now, take delivery later

This one ofcourse is a no brainer. Incase you’re buying now but taking delivery days or weeks from now? A credit card offers dispute rights that a debit card typically does not.

Recurring payments

We've all heard the urban legend about the gym that won't stop billing an ex-member's credit card. Now imagine the charges aren't going onto your card, but instead coming right out of your bank account. Another reason not to use the debit card for recurring charges: your own memory and math skills.


Online transactions

While entering your debit cards details online; do remember that debit cards are directly linked to your bank accounts and all of your information is a sitting duck for online hackers to pry into and use.








Source:yahoo

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Gestures

Rubbing the palms together

• Rubbing the palms together - Rubbing the palms together is a way in which people non-verbally communicate positive expectation.

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Hands Clenched Together

Research by Nierenberg and Calero on the hands-clenched position brought them to the conclusion that this was a frustration gesture, signalling that the person was holding back a negative attitude. The gesture has three main positions,

• The person would be more difficult to handle when the hands are held high, than he would be with the person whom hands resting on the desk position. Like all negative gestures, some action needs to be taken to unlock the person’s fingers to expose the palms and the front of the body, or the hostile attitude will remain.

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Steepling Hands

People who are confident, superior types or who use minimal or restricted body gestures often use this gesture, and, by doing so, they signal their confident attitude. It is frequently used in superior/subordinate interaction and that it can be an isolated gesture which indicates a confident or 'know-it-all' attitude. Managers often use this gesture position when giving instructions or advice to subordinates and it is particularly common among accountants, lawyers, managers and the like. The gesture has two versions,

• The Raised Steeple - The position is normally taken when the steepler is giving his opinions or ideas and is doing the talking.
• The Lowered Steeple - The position is normally used when the steepler is listening rather than speaking.

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Gripping Hands, Arms and Wrists

• Superiority/Confidence Gesture - Several prominent male members of the British Royal Family are noted for their habit of walking with their head up, chin out and one palm gripping the other hand behind the back. Not only does British Royalty use this gesture; it is common among Royalty of many countries. On the local scene, the gesture is used by the policeman patrolling his beat, the headmaster of the local school when he is walking through the school yard, senior military personnel and others in a position of authority.
• Hand-Gripping-Wrist Gesture - which is a signal of frustration and an attempt at self-control. In this ase one hand grips the other wrist or arm very tightly as if it is an attempt by one arm to prevent the other from striking out.
• Upper Arm Grip Gesture - The further the hand is moved up the back, the more angry the person has become. He is showing a greater attempt at self-control than the man in Hand-Gripping-Wrist Gesture man, because the hand is gripping the upper arm, not just the wrist. It is this type of gesture that has given rise to such expressions as, 'Get a good grip on yourself'.

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Thumb Displays

The thumbs denote strength of character and ego and the non-verbal use of thumbs agrees with this. They are used to display dominance, superiority or even aggression; thumb gestures are secondary gestures, a supportive part of a gesture cluster. Thumb displays are positive signals, often used in the typical pose of the 'cool' manager who uses them in the presence of subordinates.

• Dominant Male - Arms folded with thumbs pointing upwards is another popular thumb gesture position. This is a double signal, being that of a defensive or negative attitude, (folded arms) plus a superior attitude (displayed by the thumbs). The person using this double gesture usually gesticulates with his or her thumbs, and rocking on the balls of the feet when standing is common.
• Dominant Female - Dominant or aggressive women also use this gesture. The women’s movement has allowed them to adopt many male gestures and positions. In addition to all this, thumb thrusters will often rock on the balls of their feet to give the impression of extra height.

Trusted banks in India 2014

State Bank of India
SBI is a government-owned corporation with its headquarters in Mumbai, Maharashtra. As of December 2013, it had assets of US$388 billion and 17,000 branches, including 190 foreign offices, making it the largest banking and financial services company in India by assets


ICICI Bank
ICICI bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries in the areas of investment banking, life, non-life insurance, venture capital and asset management. It is headquartered in Mumbai and has a presence in 19 countries.

IDBI Bank
IDBI Bank was established in 1964 by an act of parliament to provide credit and other facilities for the development of the fledgling Indian industry. It is one among the 26 commercial banks owned by the Government of India.

Punjab National Bank
This financial services company was founded in 1895. The bank has over 5,800 branches, more than 6,000 ATMs across 764 cities, and serves over 80 million customers. Punjab National Bank is based in New Delhi.


HSBC Bank
HSBC was founded in London in 1991 by the Hongkong and Shanghai Banking Corporation to act as a new group holding company. It is a British multinational banking and financial services company headquartered in London, United Kingdom. HSBC is organised within four business groups: Commercial Banking; Global Banking and Markets (investment banking); Retail Banking and Wealth Management; and Global Private Banking.

Kotak Mahindra Bank
Kotak Mahindra Bank is a financial service firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the licence to carry on banking business by the RBI. Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank.

Union Bank of India
Union Bank of India is one of the largest public sector banks of India. All the bank's branches have been networked with its 4129 ATMs and its online telebanking facility is available to all its core banking customers.

Reserve Bank of India
The RBI was established on 1 April 1935 during the British Raj in accordance with the provisions of the RBI Act, 1934. Following India's independence in 1947, the RBI was nationalised in the year 1949 and plays an important part in the development strategy of the Government of India. It is India's central banking institution, which controls the monetary policy of the Indian rupee.

UCO Bank
Uco Bank, formerly United Commercial Bank, was established in 1943 in Kolkata. Its name was changed to UCO Bank, in 1985, by an act of parliament as a bank in Bangladesh existed with the name “United Commercial Bank”, which caused confusion in the international banking arena.

YES Bank
YES Bank is a private bank headquartered in Mumbai. It was founded in 2004 by promoters Ashok Kapur and Rana Kapoor. In 2010, the bank announced the roll-out of a strategic blueprint, named Version 2.0 of the bank, to further accelerate its business growth in the retail banking space, with the objective to achieve by 2015, a balance sheet size of INR 1,500 billion, deposits of INR 1,250 billion, advances of INR 1,000 billion, a pan India network of 900 branches and a human capital base of 12,750 by 2015.

Axis Bank
Axis Bank Limited (formerly UTI Bank) offers financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. It has its headquarters in Mumbai, Maharashtra.

Bank of India
Bank of India is an Indian state-owned commercial bank with headquarters in Mumbai. Government-owned since nationalisation in 1969, Bank of India has 4545 branches as on 31 December 2013, including 54 branches outside India, and about ATMs.

Standard Chartered Bank
Standard Chartered is a British multinational banking and financial services company headquartered in Hong Kong, China. It operates a network of over 1,700 branches and outlets across more than 70 countries with operations in consumer, corporate and institutional banking, and treasury services.

Vijaya Bank
Vijaya Bank is a medium sized Public Sector Bank with presence across India. In 1931, the bank was established by Shri. Attavar Balakrishna Shetty at Bunts Hostel in Mangalore on Vijayadashami Day. The objective was to promote banking habits, thrift and entrepreneurship among the farming community of Dakshina Kannada district in Karnataka State. It became a scheduled bank in 1958.

Bank of Baroda
Bank of Baroda is an Indian state-owned banking and financial services company headquartered in Vadodara, Gujarat. It offers a range of banking products and financial services to corporate and retail customers through its branches, specialised subsidiaries and affiliates.

Canara Bank
Canara Bank is an Indian state-owned bank headquartered in Bangalore, Karnataka. As of February 2014, the bank had a network of 4600 branches and more than 5500 ATMs spread across India. The bank also has offices abroad in London, Hong Kong, Moscow, Shanghai, Doha, and Dubai.

Saraswat Bank
Saraswat Bank is an urban co-operative banking institution based in Maharashtra that is operating since 1918. In 1988, it was conferred with scheduled status by the RBI and today has 265 branches nationwide.

State Bank of Mysore
State Bank of Mysore is one of the five associate banks of State Bank of India. It was established in 1913 as The Bank of Mysore Ltd. under the patronage of then Maharaja Krishna Raja Wadiyar IV of erstwhile Govt. of Mysore. During 1953, Mysore Bank was appointed as an agent of RBI to undertake Government business and treasury operations, and in March 1960, it became a subsidiary of the State Bank of India under the SBI (subsidiary Banks) Act 1959.

Corporation Bank
Corporation Bank is a public sector banking company headquartered in Mangalore. The bank has pan-India presence with 8,000 functional units comprising 2,012 branches, 2,186 ATMs and 4,000 branchless banking units as of 31 March 2013.

Lakshmi Vilas Bank
Lakshmi Vilas Bank Limited is an Indian bank which is founded in 1926. It got the licence from Reserve Bank of India in 1958 and started its operation as a commercial bank under RBI licence.

UTI Mutual Fund
Unit Trust of India is a financial organization in India, which was created by the UTI Act passed by the Parliament in 1963. For more than two decades it remained the sole vehicle for investment in the capital market by the Indian citizens. UTI Mutual Fund was created as a SEBI registered fund like any other mutual fund.

Citibank
Citibank is the consumer banking division of financial services multinational Citigroup. It was founded in 1812 as the City Bank of New York, later First National City Bank of New York. In addition to standard banking transactions, Citibank markets insurance, credit cards and investment products. Their online services division is among the most successful in the field claiming about 15 million users.

Indian Bank
Indian Bank is a state-owned financial services company headquartered in Chennai. It has more than 2000 branches and is one of the big public sector banks of India.

IndusInd Bank
IndusInd Bank Limited is a Mumbai based Indian new generation bank, established in 1994. It offers commercial, transactional and electronic banking products and services. According to the bank, its name is derived from the rich and vivid Indus Valley Civilisation.





source:Yahoo

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