[carlosjobim]

Please spare me the "working class" appeals. You don't know anything about me, and I don't know anything about you.

I've had my own bank account emptied by card cloners. And the bank reimbursed the money swiftly after having made a police report. The same for everybody else I know who have fallen victim to the same. None of us with any kind of impressive assets when it happened.

As for disputes with vendors, sure, I give you that there is a difference in time frame when paying by credit instead of debit.

A cloned or stolen card should never take weeks or months to resolve. In that case, you've been the victim of a criminal bank. It's not the experience for most victims, whether rich or poor.