Worried about CC companies deducting from my checking account

[jp2861]

Interesting thread. BE CAREFUL when it comes to assuming an account is closed or cant be debited again. The debit card can be reported stolen and reset all auto debits but once the account number is leaked its hard to stop ACH debits.
Magyar had a good point earlier. It seems that once a bank smells you are having trouble with a creditor, they love to kick you when you are down and assist the creditor in getting that payment. Especially if they can find any excuse to draw an account negative and sock you NSF or "legal" fees. Banks seem to hate closing an account and love nothing more than an account just rotting on the books and soaking up greedy fees. The bank must consider the negative accounts to be an asset even though the negative balance is created out of thin air. Whenever I get a chance to vent about banks I will. I hate them even more than credit card companies. HA!

One thing folks can do is request a new debit card every year, with a new card number. I saw a show recently that was showing how credit card numbers and info was being sold over the Internet for 3 and 4 dollars. Makes me not want to use one at all.