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This way, the purchase amount will still be deducted directly from your bank account, but it’s processed through a credit card network, providing greater protection if fraud occurs.Online Purchases Along with providing added security should the retailer fall victim to a data breach – a hacker can’t overdraft your bank account with a credit card – debit cards) offer extra protection perks.Wait more than 60 calendar days after your statement is mailed and you could be responsible for all money pilfered from its connected account.Discussion: What’s your secret to successful budgeting?If you don’t receive the merchandise, it’s defective or the wrong item, and the vendor won’t issue a refund, it’s easier to dispute charges with a credit card.Many credit cards also offer extended product warranties (usually for one year beyond what’s offered by the manufacturer), and some provide price protection up to 90 days, issuing you the difference if the identical item is sold for a lower price than you paid.And many issuers won’t even charge the for valued customers.
Later, the device is retrieved, and the stolen data is used to create a duplicate card to raid the victim’s bank account. With only a handful of manufacturers of gas pumps, one key in the hands of a thief who gets a job at one station can be used to open pumps and install other skimmers elsewhere, especially at night or when unattended. If you must use a debit card (and it has a Visa or Master Card logo versus being a cash-withdrawal-only card), choose the “credit” screen prompt, instead of “debit,” so you don’t have to enter your PIN.Although certain debit cards offer these protections, the hassle factor can be greater.Although debit cards offer no-interest savings – which may factor for some plastic users – there are six places where you should never use them.Gas Stations In addition to ATM machines, gas pumps are a popular target for “skimming,” in which crooks place a portable card-reading device inside the pump.
Although both cards look the same, they offer different protections.
Under federal law, if your credit card is used to make unauthorized charges after it is lost or stolen, you’re liable for only – no matter the amount and with no time restrictions to report the fraud.