And year, exposing debit credit card numbers, expiration dates, and the like. Because of that breach and others that have taken place, have you changed your habits coming your habits when it comes to using that it cards that using debit cards. Using that cards. Debit cards. ,025853881. On social media you can find our twitter. You can also participate in a poll. You can also send us email to journal cspan. Org. There was a poll looking at practices bcause because of data breaches. Americans say they fear of theft. G victims of they are apathetic to try to protect their data. 58 say they have deep worries when spending online but only 37 have tried to use cash for purchases rather than pay with plastic in response to the data thats like the one in turn get. Only 41 check their credit reports. Some of the details from that survey that we read you and just to show you once more, 50 eight percent concerned about spending online. 41 say they have checked their credit reports, 30 seven percent attempting to use cash for purchases. 37 attempting to use cash for purchases. Perhaps you want to tell us about your personal practices. Maybe you have suggestions for what congress should do. 2025853880 if you only use debit or credit cards. If you only use cash, 20255 853881. Make comments on facebook this morning. Some have already. Theres is also a poll you can participate in as well. Answer yes or no about the changes in practices. 20 people say because of those data breaches they have not changed their practices. Numbers will stay on the screen. You can call them and make your thoughts known. There are about nine comments on facebook this morning. Probably having a little difficulty holding them up. Athan smith saying noon saying the numbers will be on the screen. The editors of the boston globe looked at this issue. This is part of their editorial. Need toked about the change the types of cards that are used. Most of the concerns you have heard about in that hearing was about the magnetics white magnetic swipe type of card. The globe says this have data breaches change your credit card usage . Only usesm missouri cash. How are you . Caller fantastic. Host you said you only use cash. Is this something you have always done or because of the data breaches . Caller the data breaches arent a problem. The problem is we have grown accustomed to living on credit cards and that is our National Problem. If we dont finish if we dont fix our National Problem we are going to have cash. It is like gold. We based our site on a bunch of shiny rocks. Florida, a from debit and credit card user. Good morning, how are you . Caller wonderful. How are you . Host great. What do you think about it and credit card usage in light of these data breaches . Caller i like using my credit card. Of course i carry enough cash in my pocket at all times. Mycard allows me to check account online, i can monitor my cash flow a lot better by using my debit card. Concern is the whole internet experience is based on an open back door, basically. Velop thee that de operating systems have to the princely left the back door open, otherwise they cannot have an advertising model. That model allows all this the various all this nefarious stuff to go on. An open back have and they will not close that back door for the advertising model. There are two different kinds of protocol. Httop is your standard protocol. Site. Is a secure s, doesnt have the then i would be concerned. Twitter we havent heard an email yet but you can send is that too. About your credit and debit card practices, if you changed your habits because of data breaches the lines, again here is surely here is shirley from victorville. Hostcaller i am a debit user. Logo onhave the visa it. Is it are going to have to continue, you are trying to listen to yourself on the tv. Caller i want to know if it is safer to use one with the im muting you. Host why dont we put you on hold for a second and we will come back to you. Next caller caller how are you . I am a longtime viewer. I worked in the back office, processing checks. I knew this day was going to come because as the checks dried up we lost our jobs. I was watching an article last week about these Quantum Computers that have the ability to break any code. Eventually the whole basis of this online cash processing thing, whether it is credit were thatebit cards new bitcoin or that new bitcoin, it will be for mobile. It will be vulnerable. Just think about it, the vulnerability there that we all face. You are a cash user. How easy is it for you to go daytoday using just cash . I am pretty well as far as managing my funds. I was an accountant, so i have an idea of my responsibilities. I do keep a prepaid turn a card prepaid credit card in my justt with a 200 balance for emergencies. That is the most i will allow to be on any card. Numbers on are the the screen for you. If you want to talk about changing your practices we previously heard from surely. From shirley. Finish your thought. Caller my thought was my debit card does not have the visa logo on it. And i want to know if its safer to use or if they can still pick up the whatever they get when they scan the card. Host is your card through your local bank . Union. Through my credit you thatant tell myself. Have you always been concerned about Security Matters or has it not been a concern up until now . It worried me a little bit. I am not concerned about it. I will go ahead and use it because i do not like to carry too much cash on me. I am an older citizen and they like to target us in that area and then they take your cards. Host what about internet purchases, do you do that . Caller i do, but only through my credit union. Host that is shirley from california. When you call and if you would would muteif you your television we would appreciate it. From twitter our next call is from maryland. A debit and credit card user, hello. I just want to share my opinion with you. There are so much fraud going on. I was reading a newspaper on the and i saw host [indiscernible] is a lotused there of problems using the cards out there. That is risk. Host that is our call from maryland. Off of Facebook First i want to tell you about facebook. C om cspan is how you find us. First i want to show you then i want to show you about the poll you could take as well. Pageyou go to our facebook , most of the people say when it comes to practices using debit card and credit card as opposed to cash has not changed. Compared toying no the eight people who said yes this morning. The hearing took place this weekend on capitol hill. An executive from target, the Vice PresidentJohn Mulligan. He talked about the need for cooperation for both retailers and congress in order to better secure consumer data. Here is what he had to say. [video clip] from happening again, none of us can go it alone. We need to work together. Updating Payment Card Technology and strengthening protections for American Consumers is a shared responsibility and requires a collective and coordinated response. On behalf of target, i am committing that we will be an active part of the solution. Members of the subcommittee, i once again want to reiterate how sorry we are for the impact this incident has had on your constituents, our guests, and how committed we are to making it right. That was John Mulligan at the hearing that took place on the data breaches. You can find the full hearing on our website, www. Cspan. Org. There is our website. You might have noticed we have and moreew userfriendly. Especially if you use tablets or cell phones, that is the website. We invite you to go check it out for yourself. Off of twitter you probably heard it the boston globe folks themselves. Washington post says in European Countries and other countries they use a smart microchip payment card. Some countries are removing the magnetic stripe. Wisconsin only uses cash. Good morning. Commenti just wanted to to the lady with the credit union. I was with my credit union for 28 years, got a 401 k transferred there, and was scammed. If you cannot trust one person in there, you are done. Host tell us about your experience being scammed. How did you fix it . It hasnt been fixed. I went to the president of the credit union and he refuses to speak to me and my fiance. The Banking Association says there is not enough evidence. They got away with it. It was 44,000. Host you havent recovered any of it yet . Caller no. Its awful. Host jay is up next from boston, massachusetts, he only uses cash. Good morning. Caller i think people are not wise and not wise enough. If you use your debit card, you are giving your entire banking information to hackers. If you are going to use debit card, which are a click comes out of your bank account, why dont you which comes directly out of your bank account, why dont you just use cash . If you dont sign it it doesnt belong to you. Debit cards are so foolish. I dont understand why people even use them at cards. That is your cash from the bank. Forget all this trouble. What is using cash daytoday like for you . How do you manage it . Absolutely. If you go to the bank and take the cash, what ever you want, you can use it for the week. Large,urchases that are at least control it. If you didnt sign it, that means obviously you didnt use it. You sign when you use your credit cards. Let the Credit Card Company deal with it. But debit card directly comes from your bank. Whats the point he echo just use your cash. Whats the point he echo whats the point . Just use your cash. Host if you want to send us a thought on twitter, its c spanwj. This is from the politics and nations section of the washington post. Saying on the topic of data breaches and if they have changed habits we have divided the lines for those of you who only use debit and credit cards and for those of you who only use cash. Twitter is available to you as well. A viewer says those thoughts and others being made this morning. Talkingroit free press about this this morning. It includes a meeting with detroits mayor, saying lori, calling on our line for those who use cash from sierra vista. We have always used cash or credit, we just never wanted accountsdize our bank by hooking up to a debit card and using a pin number. Thankful we have always gone that route and never used a debit card. I feel really bad for other people that have become victims of this hacking breach. Host do you do any purchases online . No, thats another thing, we never do anything online that includes our finances. We listen to the wall street journal report we listened to the wall street journal report is a go and i am glad we heeded their woarning. Host what is the reaction when you tell people you only use cash . Area, we live in a rural i dont think it makes a difference. Host mike from butler, and credita, a debit card user. Caller good morning. I use a credit card for most purchases but it is set up to its own account where i control the amount of money in it. Its in a separate bank than my normal banking. I use that as a cutout to protect myself. Am not comfortable with caring piles of cash around. Host the way you came up with your plan, how did you come up with its . With it . Previous life i had some interaction with security. If i am breached, there will be minimum damage. The other aspect of it is that communication within a Banking Institution also can and been breached. By setting this up with a seperate bank, i feel i give myself more protection. Host this is dan from ohio, a cash user. Morn and ii cash usern. G, pedro. Good morning. I am a cash user. It just gives too much power to people, it increases the power and is very dangerous. Joann from indiana, a debit and credit card user, hello. The reason i started using my debit card is because there are bills that i have to use one to pay it. They wont accept cash or checks. At the only reason i got one feed that is the only reason i got one. They today isions mostly cash. That is just for my own convenience. Ofi were in a bigger part the world, lecture condo, they would have to have a credit card. I think the chip would be better, as far as security. It is security that keeps you from using it on a widespread basis . Caller yes, more than anything. Paying my bills is just convenient. And like i said that is what they accept. You a target shopper at all yucca would you change practices . Caller yes i would, if i was. Im not. Host heres kathy from sultan, california. I knew i had 900 left i looked atcard and my statement, i had 43. Andlled immediately somebody charged something to apple. Then i called my bank. Days aftero 15 calling my bank i had my money back. Host what did you do with them what did you do between the tenant 15 days he what did you do between the 10 and 15 days . Caller i also have cash. I just use a debit. They were so good about it. I called apple and my bank. I didnt even have to cancel my pin number. Senatore democratic montana, max baucus, is the that is theors to ambassador to china. John walsh will fill the seat of the senator. It is one of the six contested races where democrats are defending senate seat this is lynn, phoenix, arizona, debit and credit card user. Hello. Hello. Up for the past five years, my major plank for the past five years, my major banks credit card data was hacked. One of the credit cards i used was a state card that was hacked. The credit card people, they have issued new cards with the chip in it but it cannot be used. For the debit card thing, one of my friends started using prepaid cards. Her credit card was hacked by a human that was that, she was pretty sure, compromised her numbers. I dont think she has had too many issues because she just loads whatever she wants to use that week on it instead of carrying cash. That is how she solved it. I have had three accounts that had to be canceled in the past five years. I am ready for them to switch over. Thank you very much. Host House Republicans thising a plan becomes a part of the discussion over the debt ceiling. Kristina peterson in the wall street journal pat from maryland, debit and credit card user. We are asking folks if data breaches have changed credit card usage . Caller good morning. Actually not. I have it set up similar to the other gentlemen. Of my debit card is with my my debit card is with my credit union. My money goes into my savings account and a transfer what i need my debit card via i use it what it debit card need to my debit card. Ive cut my money into a separate account that is not tied to my regular money. Amazon and some places will allow you it is not amazon itself will allow you to use them. I will not use my credit card as opposed to using paypal. Compromised, they wont get very much. Host because of this whole process, wasnt difficult at first and became easier . Wasnt always easy to maintain this practice he echo caller this practice . Caller i have done this for the past six or seven years. I have to transfer money because i have to go to the Grocery Store so i know what that limit is. Spend less than 20, i will carry cash. Host some thoughts this morning on debit card practices, perhaps you just use cash. Data breaches is what spurred this question. A hearing taking place on capitol hill this week. To ask you about your practices and if they changed because of data breaches. If you want to weigh in for the next 15 minutes, the numbers james from rochester, new york, a credit card user. Good morning. Echo are you there . Caller yes. I am confused about was some of the people are saying. Absolutely not. All the cards that i have, including my chechinking and savings account through my credit union i have had fraudulent activity. All i do is one call and it s gone. Senator rand paul is our guest on our Newsmaker Program tomorrow. Mornings reporting this that the topic of bill clinton came up during this conversation. Abc puts it this way here is bit from that interview. [video clip] democrats cant say we are the great defenders of woman rights in the workplace and we will defend you from abusive bosses that use the position of authority to take advantage of a young woman when the leading fundraiser in that country is bill clinton, who was a perpetrator of that kind of sexual harassment. They cannot have it both ways. I think anybody who wants to take money from bill clinton or have a fundraiser has a lot of explaining to do. In fact i think they should give the money back. If they want to take a position on womens rights, by all means do. You cannot take it from a guy who used his position of authority to take advantage of a young woman in the workplace. He paid an 800,000 fine for sexual harassment. Host senator rand paul, tomorrow on cspan at 10 00 and again at 6 00. Anthony, you are next from sierra vista, arizona. Caller good morning. Use debit and credit card. I use cash also. I think the most important thing is if everyone is concerned , there is a reason to not want to use debit and credit cards. Companies and their policies the 10 interest rate. I think people have to exercise due diligence. You have to check your account every day. Some companies are very good about their policies where they will text you or email you when you set the threshold for an account. Twofold. Is policy by your organization that you do unnatural responsibility with. Host dont king says off of twitter twittering says off of associatedt that press poll. 58 expressing concerns about overall. 37 , and this is because of breaches, attempting to only use cash for purchases. Angela from louisiana joins us. I used to make purchases with my debit card. I protected with this target situation. I will be paying locally at stores. Host tell us about your target situation. I let them know my account was affected. Situation, nice yourg to worry about identity being affected. So far i havent had any money stolen. It is just very worrisome. The cfo from target was on capitol hill. Did you take advantage of that . Caller yes. Host you said you wont go back to target anymore . I have not been back to target to lately. I may go back but i can guarantee i will be not using cap i will be using cash when i go. Caller what is it like using host what is it like using cash . Caller it is more work because you have to get the money out of the bank but for me it feels better. Host here is paul from pennsylvania. A debit and credit card user. To say basically i want give me that i want to say thank you for giving me this opportunity. I did not stop shopping at target. I am going to be straight with. Ou, i am bankrupt my business went out of business. My credit was destroyed. I joined free credit report. Com and they want me if there was any funny activity going on in my credit background. I also have capital one. When i was bankrupt capital one extended their hand out to me. Suspiciouss any activity i always