"Dave Smith" > wrote in message
...
> On 2014-10-18 4:00 PM, Pico Rico wrote:
>
>>> What can go wrong with a debit card??? I can view my statement online
>>> anytime and see daily debits.
>>
>> fraud protection is not nearly as good as with credit cards. And, with a
>> credit card, YOU have the money while errors/fraud is sorted out.
>>
>
> I have had mixed experiences with that. I rarely use my credit cards for
> store purchases. A couple years ago I went Christmas Shopping and put a
> bunch of stuff on the card. The CC company called my house and said there
> had been a bunch of purchases made of a short period of time and asked if
> it was us using the card.
>
> There was only one time that I discovered a fraudulent use of my card. We
> had been out for an expensive lunch and put on on MasterCard. When the MC
> bill came at the end of the month there were two charges, the one we had
> and one a few days later for a slightly different amount. I called
> immediately. MC called the restaurant and got a story about how they were
> new and thought the charger had not gone through so they did it again....
> for a slightly different amount ??? They were going to issue a credit.
> They didn't. There had been no adjustment the next month, so I called
> again. I was told MC was going to ask for hard copies, and if they did not
> send them within 45<?> days I would not be liable for the charges...
> either one. When I called back they were still waiting.
>
> Finally, some time in Feb., 5 months after the fraud, I was in the area
> working and went into the restaurant. It may have helped that I was in
> uniform. They cut me a cheque. I cashed it immediately. By coincidence,
> the woman from MC called that night and asked if there had been any
> resolution to the problem. I told her that earlier that day the restaurant
> had written me a cheque. She expressed relief and said that after all
> this time there was not much they would be able to do.
>
> ????? After all this time?? I contacted them immediately. They talked to
> the owner and the problem was acknowledged. They later said if they
> didn't get the the hard copies I was not liable for the charges. They
> never got them. So, pardon me if I don't have a lot of faith with CC
> companies and fraud.

I never said it was ideal. I said you have better legal protections in the
US with credit cards vs. debit cards.