So if you don’t catch it within three days too bad?
Are you starting to see why I now only use credit cards that I pay off weekly?
Same thing as a debit card only no three-day-too-bad thingy.
That is the basic "gotcha" with Debit cards and restitution.
Credit cards give you about 30 days from the monthly statement date to dispute charges. So you definitely have a better margin for error. But either with Credit or Debit cards, you still need to pay close attention. There are a lot of ways for criminal gangs to skim critical data and they don't necessarily require physical access to your cards to get that data.
When I travel, I charge every purchase on a credit card, for all the reasons that you would expect. And I pay them off at the end of a trip.
On the local scene, I am starting to see merchants who give discounts for cash or debit card purchases. That was unheard of ten years ago.