I'm sorry that happened to you but it isnt exactly fraud and has no relevance to the discussion of fraud and debit cards.Several years ago when money was very tight in my family, I had a retailer accidentally add a zero to the transaction. Unfortunately, I had used my debit card. The retailer immediately realized his mistake and tried to reverse the charges.
While the money immediately left my account, it took several days for the refund to be put back into my account. I contacted the bank and they were not helpful at all. We were going through a hard time then, so those days without access to our money were tough.
Now, I use credit cards. I travel all across the country for work and have my card number stolen at least once per year. With credit cards, it’s no big deal. They stop the fraudulent charges and next day me a new card.
I think it’s a really bad idea to use debit cards.
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It is however a good reminder of understanding the limits of charge backs.
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