I have experience from both sides of this equation. In our business we accept credit cards and have to follow PCI standards. For us, when we accept a customers credit card information, we input it into our billing system. That system is integrated with Authorize.Net (one of the largest online cc processors) and they store the end users cc data. Once it's entered into our system, we only have access to the last 4 digits of the credit card and the expiration date. There is NO way for my staff, or even myself, to access the customers full credit card number. And if the customer updates their cc information themselves through our customer portal - none of our staff have "touched" the cc number and have NO access to the full number.
As a consumer, i have had both credit cards and debit cards compromised. Unfortunately as a consumer, your bank (or cc company) will not (or cannot) release information to you as to who they think (or know) was the point of compromise.
Yes it is a pain the the butt when your cards are compromised, especially if it's a card that you use for automated payments.
When we got our motorhome I decided to open a new bank account specifically for motorhome expenses. It's linked with all our other accounts and due to our relationship with our bank (a major US bank) we don't get charged a monthly fee for the account. This account always has a $0.00 balance unless I know we'll be charging something against the debit cards assigned to the account.
When I know that we'll be using the card, I just sign into online banking - or mobile banking on my phone - and transfer the funds that I will need. Once the transaction processes, I can transfer back any remaining funds that may be in the account to our main account.
This has worked well for us. It keeps our main account at less risk of being compromised when we travel AND it's a good way to keep our motorhome expenses separate from our day-to-day expenses.
2005 National Sea Breeze 1311
2015 VW Tiguan SE 4Motion (trailered)
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