Claessen Orchideen, NL -- worst experience I've had

[Ray]

While I suspect it varies by nation, I don’t believe debit card purchases are as protected in the US.

Thanks to the Fair Credit Billing Act, liability for unauthorized charges made with a credit card is limited to $50 for both in-person and online credit transactions, but you need to report the incident within 60 days.

However, most credit cards offer zero-fraud liability, meaning you won’t be on the hook for a penny. Most credit card issuers will put the fraudulent charge on hold while they conduct an investigation, so you won’t be out the money in the interim.

Debit cards are a different story. Because the money you spend comes out of your bank account, your liability depends on how quickly the fraudulent charges are reported. If reported within two business days, your maximum loss will be $50; more than two business days but less than 60 calendar days, your maximum loss will be $500; and after 60 calendar days, your liability will be 100% of the loss, possibly more if money in other accounts are linked to your debit account.

When you do report fraud you may have to wait days or weeks to get a refund for a fraudulent transaction made with your card, even if your bank account was drained.