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The ultimate life hack the government doesn't want you to know
(sh.itjust.works)
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this post was submitted on 17 Oct 2023
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Credit cards have much better fraud protection then debit
The fraud prevention page for my mastercard debit card is the same page as the credit card page.
However, what I really recommend is you can get travel cards that you load with minimal money and are entirely disposable. You don't need to only use them overseas. I have used them for online payments and in person payments and they're disposable. That is I can get two more unique cards with unique numbers at any time. Minimising my personal risk since they can't be used as ID and I limit the money on the card to just what's needed. If it's stolen skimmed or tried to be used fraudulently I might at most lose 50 dollars but I also probably know who within a margin of error skimmed it since I rotate them with new cards every so often.
I'm also in a place where losing 50 Australian dollars won't financially bankrupt me if it was stolen. Because I'm pretty sure there is lots less fraud protection on those travel cards.
Anyway there's alternatives for those who can't or morally object to credit cards. Like me. Mine is I'm bad with money, I morally don't trust myself since I went into 10k debt at 18.
If there's fraud on a credit card, the bank fights to get their money back. If it's fraud on a debit card, you fight for your money. Also if there's fraud on your debit, that's money out of your bank account that immediately affects you. With credit, it doesn't at all. Debit has much weaker liability then credit, and also a time limit where you just lose all money if it's not reported right away, with no limit to how much you can lose if you don't get it back in time (usually 60 days). That trust that you won't go in debt with credit cards is essentially why the credit system exists, to measure that. There's nothing that has to do with morals, it's just a payment method.
The bank is fighting for their money because as long as you report it in time they are legally required to refund all but a small amount. The refund for the fraudulent charges has nothing to do with the banks ability to get their money back.