[Anechoic]

However, if it's debit you lose cash and it can take up to several weeks for it to be refunded.

I know this is true in theory, but is it true in practice? I've had two debit cards used for fraudulent transactions (one a Visa debit issued by a local bank, the other a MasterCard debit issued by PayPal) and in both cases the money was returned within hours of my reporting the missing cash.

[seabee]

When you have bills to pay, having to deal with the worst case is not a fun prospect.