[BrandoElFollito]

If my card is lost, I notify the bank and all transactions are cancelled, involved the ones before the notice.

I may need to pay 150 or 250€ (cannot remember) max, and that's the limit of my liability. I would like to see the bank that will try to make me pay that, it happens once and they backtracked immediately when I told them I am closing my account then.

We do not have the US credit thing, so no repairs to watch.

This said, I am 100% with you on the security of phones vs cards.