[SoDak]

When someone steals your debit/check card, they are stealing your actual money out of your actual bank accounts. When they steal your credit card, they aren’t. That’s the difference, and it’s huge, imo. I don't see how you figure that. If it's a credit card function you have the same protection as any other visa-branded credit card. Your bank has to replace the money within 24 hours.

[ltc8k6]

What if they don’t?

What if they say you were negligent with your card?

What if they try to say it’s your fault?

While they fiddle, your money is not available.

Happened to my sister this year. It took forever for the bank to admit fault and meantime my sister needed a lot of help to make her house payments, car payments, etc.

By the time the bank decided to put her money back, she’d already given up on them and started anew at another bank with money I gave her to start over with.

[moehoward]

Debit cards were different. It may be different now that many are VISA.