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by lxgr
1244 days ago
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> assuming actual fraud That's a load-bearing assumption here! Yes, whenever a credit card fraud investigation will be resolved in your favor, so would it be for a debit card – and the outcome is "no money lost" in both scenarios as well. But in the odd case a credit card issuer does not side with you, are you absolutely sure that they would just silently drop the pending balance and not report you for a missed payment if you decide to not pay? (Yes, there is recourse against that – but so is there against a Regulation E debit card fraud case, at least as far as I know.) |
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No, you're assuming the bank is obligated to refund you everything. As I mentioned at the top, this is always the case for credit cards but not necessarily always the case for debit cards.
As this is becoming circular, I don't wish to continue. Enjoy your debit card and I hope you never experience fraud.