[bduerst]

Have you actually ever had a card stolen or skimmed?

It's not as bad an experience as you're making it out to be. My credit union handled everything the last time I was skimmed, including giving me the money back and overnighting a new card.

[antsar]

There's a difference between credit and debit here.

Stolen credit card = bank is missing money; bank is incentivized to retrieve money.

Stolen debit card = you are missing money; bank may choose to help somehow.

[bduerst]

They would need to know your pin code too (for authorizing debit transactions) right?

For the record it was my debit card that was skimmed.

[lmm]

I've had it happen. Put me very close to zeroed out, bank sent me a new card and processed the refund eventually but it took several days. Maybe laws are different here (UK).