[carlosjobim]

Would you be able to overdraft with a debit card, though? When I was the victim of card cloning, I discovered it in the supermarket when my card purchase didn't go through due to lack of funds.

When a card is stolen or cloned, it is usually discovered really fast. Either by the victim or by the bank. It's probably in most cases a matter of hours or even minutes.

[aspbee555]

yes, it is possible depending on timing (if a card is authorized but captured later in the day or the authorization was less than the capture, this is why gas pumps do auth for $100 and hold that for days till it clears), but the risk is more about expected/scheduled transactions hitting the account before you realize it got drained

[carlosjobim]

I guess my bank accounts have never had an overdraft function. If there aren't sufficient funds in the account, the debit card transaction/withdrawal gets denied, no matter who is using or misusing the card.

[hermanzegerman]

Yes