[Red in Blue PA]

Re: debit misuses will show up overnight.

It is still too late. How do you expect to get money back from your account?

With credit cards, if you get your statement 20 days later and there are fraudulent charges, you can still have them stopped.

[Terabitten]

Re: debit misuses will show up overnight. It is still too late. How do you expect to get money back from your account?

With my bank, I simply told them which charges were fraudulent and they refunded that money back to my account, as well as the NSF fees that resulted from the fraudulent charges.

[Minn]

It is still too late. How do you expect to get money back from your account? With credit cards, if you get your statement 20 days later and there are fraudulent charges, you can still have them stopped.

You are misinformed. It works exactly the same as with a credit card. You report the fraud. The company informs any vendor that accepted the stolen card of a charge back. The money goes out of their vendor account through the bank and back into your account where it started.

Retailors are the ones that lose when they allow fraudulent charges. It's amazing they aren't more careful about verifying the identity of card users. That's why all my cards say "CHECK ID" in big red letters where the signature is supposed to go.