But what can a cyber criminal really do with a stolen credit card number? It's possible your $1,400 stimulus check could show up in your mailbox in the form of a prepaid debit card, or EIP card. During the first half of this year, 23 million credit cards were stolen worldwide. It typically takes 10 days for banks to investigate a claim and refund the money. But it can go a lot longer. To be on the safe side, you should put your name on fraud alert through Trans Union Fraud Dept. That's why I always pay cash or a credit card when we go out to eat. Scenario 1: Someone or you have your Debit Card and PIN, then the obvious answer is YES. You can add the person to your account officially as an authorized user, or you can simply share your card and personal identification number informally, as many people do. Their toll free # 1-800-680-7289. If those shady characters stole your debit card number (but you still have your card), you are not liable for any unauthorized charges made in your name. Those three numbers are the most common ones used to verify the identity of someone who already has an account with the company in question. If you call customer service for a company that has your credit card, they'll ask for your last four to "confirm" that it's you, and possibly your zipcode. With only your name, the card number and your sort code, money can only be put into your account so you are ok Do not give out the 3 digit security code though or they can buy things online with your card! Your routing number and bank account number are printed on the bottom of every paper check you issue. Experts say quite a lot. And yes, it's legitimate. However, many people do not realize that issuing a paper check to someone is equivalent to giving out important personal information that includes your full name, home address, phone number, your signature, bank account number, and routing number. If you think about it, you give someone your credit card number every time you make a purchase. Based on what I understood, I’ll try to answer this question in a generic manner. To OP, the only time you should give out your 16 digit number is if you are making a payment. You shouldn't just be telling random people your number … In order to have zero liability, you need to report this shady business to your bank within 60 days after your bank statement is sent. From the bank's perspective, the first way is the right way and the second way is definitely the wrong way. But to never give it out that would just be silly. 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