<prompt> Human: Hello pf. I just got a text message from my credit union saying that my card was hacked. this is the second time in a month that this has happened. I dont think I use my card differently than anyone else. My credit union also doesnt credit me my money back for 1-3 months so they can do an investigation. Now my checking account is in the negative and i need to use my credit card to make day to day purchases. Do you think it is time to change banks? thanks for the help.  <response>: Practice safe debit card use. Dont use generic owner-operated ATMs, check bank ATM and gas pump card slots to ensure they havent been tampered with, and dont let the card out of your sight- most card theft is from two sources: skimmers installed in ATMsgas pumps, or from waiterswaitresses at sit-down restaurants who run it through a handheld skimmer and clone the card data when they process your bill. 