CREDIT CARDS!!!!! Specifically fixed amount debit cards.
So one of the kids gets us a VISA debit card for Christmas. Great. Much appreciated. I go to use it today, pull if out of the drawer, remove the sticker on how to "register" it to get to the 16 digit number. Go online, register and find $35 in charges on the card already. Go through 30 minutes of sitting on the phone to resolve. Not once, but 3 times I need to read out the last 8 numbers from a separate barcode on the back of the card. They have what appears to be a 3000 digit number for the barcode or something like that because each number is like speck of dust. Then answer a billion questions about my activity related to the charges when it's clear that somebody has cracked their card algorithm. I didn't even know what the number was for the card because it was under the damn sticker on the front. Now I need to wait for the fraud investigation before I can get a new card as the first representative said, "the card has been compromised". Ya THINK!!!????!!! Then they have on the sticker that the last 4 digits of the card are your pin. Why don't they just make every pin 1234. If someone knows the 16 digit card number they know the PIN!!!!!! Why not use the last 4 numbers of the barcode on the back which is unique for each card? Why? ISN'T that more secure? And they don't have a number to call for lost/stolen or even an option when you get into their automated phone system until you have already gone through 5 minutes of crap, including multiple reminders that you can register online or find the latest balance online, BUT YOU CAN'T DO ANYTHING ABOUT THEFT/LOST ONLINE. Give me the direct number for FRAUD!!!!! Seriously, banks and financial institutions have this crap happening 24/7, but they inconvenience the customer to save $0.02 on every $100 in profit. AUUUGGGGHHHHH!!!!!
I feel better now.