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I don't think these happen with debit in the US, but if something happens and your card gets stolen your screwed out of that money with debit usually, so we always use credit.
In the USA, if you report the card missing within two days of discovering that it is missing, your liability is limited to $50.
https://consumer.ftc.gov/node/78373
I bet banks could have policy on top of this, but I doubt they do. 50 bucks is yikes.
I've actually experienced it. I discovered it was missing after the thief had used it, and the bank refunded the full amount, plus the overdraft fee I incurred by making a purchase using the card number after the thief had drained the account.
Oh I misunderstood. Maybe I shouldn't lemmy when im still half asleep lol.
I read it as they will only pay 50 bucks, not 50 liability pay.
Glad you got your money back! That must have been stressful.
It was stressful. I was pretty young and pretty broke.
A gas station attendant didn't return it when I made a purchase, and I was distracted so I didn't notice. He then put gas in his own car at his own gas station using it. I came back the next day with a cop, and he confessed. The cop called his boss and he got fired. I got a report to give to the bank.
At the time, I was a little annoyed the cop didn't arrest him, but he was probably as broke as I was and significantly dumber to commit such a stupid crime.
Yeah, gas stations aren't known to pay well. Still doesn't mean its okay to take someone else's card.
I'm certainly not going to defend the guy who stole from me, but I'm a little less eager to see the cops put someone in jail than I was then. Losing his job probably ruined his whole month at least.
For sure. That's decent punishment, who knows what kind of fallout happened in his life after that. Shunned by family? Lost apartment? Repod car? Its crazy how those sort of things domino effect a life.
It was probably 10 years ago, but I'm in the US and had one of these on my debit card for a few days. I believe it's if you use a physical card at the pump.