Where does it say that this particular FML was sent on a mobile device?

it could have been purchased ages ago when op had money. it could also be the time of the month where op has paid off everything and has nothing left until pay day.

You rock!

Hang in there, OP. Across the desert lies the promised land...

Would you rather have had money and lost it or to never have had it at all?

I hope you get on your feet soon. good luck

Thank you all for your positive comments. It is more of just holding out until graduation. I am poor right now but I have absolutely no debt. I am on my fifth year of college, because I am finishing up my second degree, and I haven't had to take out a single loan yet. The consequences of not taking out any loans is that my bank account almost never has any money in it, but at least I pay all my bills and I am not in debt.

Good on you, then. It'll be much easier to get to a better place without having any debt. Bravo on avoiding a loan thus far.

I too am a poor college student with no loans and no debt. I understand you perfectly!!!! Good luck!! and everything will be alright once we start our careers!!!! I graduate May 2014!! Super excited!!

Just wait when you're done with college ! You'll have lots of money ;)

Most people have been at that too poor time to be stolen from time when they are starting out. The bank is right. Usually you will never know where the number was stolen from. The banks that issue the cards themselves can even get hacked. I have gotten new cards from Bank of America with letters stating that they had a security breech before. In all cases of my card numbers being stolen (it's actually usually my husband's cards), the money was returned to us by the bank. The funniest one for me was when someone did a payment for their phone bill to AT&T. They transposed some numbers and it came out of my account. I had to convince them I was not randomly paying some stranger's bill.

If someone was to steal my cards, they would have to put money onto the card to use it... I have a total of $42.32 left... However, I did just start a job paying $90k/yr! Sometimes being poor leads you places that can be wonderful!

That happened to my mother at a McDonalds, the cashier in the drive through took way to long to give her back her card and kept his back to us then in the early hours of the next morning the bank called her and asked if she made any plane ticket purchases in the last 24 hours to some place over seas and she said I've never even heard of that place so they cancelled the card and didn't charge the tickets.

The fraudsters have special machines that they go into businesses and replace the normal machine with. These terminals steal all the info from your magnetic strip including the PIN. They then create a fake card an go to ATM machines and try to withdraw as much as possible. The new CHIP technology is helping this to stop. It is called "skimming".

I feel your pain OP... but think of it this way: you've got a bulletproof anti theft device... student poverty! All kidding aside, I'm sorry you're having such shitty luck lately. Hope everything turns around for you and that the tried-but-failed thief gets his/her come uppins!

Damn you're finishing up school and have no debt? Color me impressed! That's a pretty incredible feat in my opinion.

Very impressive OP! Sounds like you have a great head on your shoulders! Good luck in all you do! What are your degrees in?

#105-if there is a will, there is a way. I have already heard of thieves stealing the chips. What they do is either the "debit" machine is changed to remember the card info, or they put the card into a reader that is hidden, almost the exact same process as the magnetic stripe, but with a chip. That being said, it is very rare and difficult to "mine" the information from a chip, and I am speaking from experience, as I have been successful at completing a purchase with a "mined" card, but it was my own. The only real way to keep your bank accounts and credit cards safe is to never use them.. Always pay cash! Whenever possible, that is what I do because I know there are other people out there who does what I can do, but they use them illegally!

@110. Criminal Justice and Criminology is my first one. I am currently working on Biological Sciences (Genetics, Cell and Developmental Biology) while I am minoring in Chemistry.

Well at least you have your future going the way you want and to do it without any loans just makes it even more awesome. Hope your career works out and you get a job you enjoy for a long time. Good luck.

I had the same happen to me, and my saving grace was also being to poor for them to get an approved transaction.