Submitted by jeremy_92 t3_11e689n in personalfinance
burner46 t1_jad30sw wrote
Reply to comment by jeremy_92 in Fraudulent charge on debit card that I never use by jeremy_92
They’re not hard. They just take a little more time than a credit card.
The biggest issue with fraudulent debit card charges is the money comes out of your checking account, so you could be without the funds for up to 45 days while the fraud is investigated (Regulation E). With a credit card it’s just a line item on your statement and never touches your actual money. Always good to have a buffer between your method of payment and your bank account if possible.
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