Originally Posted by csandste
Debit cards have none of the protection of credit cards.
That's simply not true. My debit card from my local federal credit union has the same protections as a credit card. I am not responsible for fraudulent activities made on my card by others and my bank accounts are protected from someone trying to gain access with my debit card.
I have not inquired if I can freeze payment on a faulty sale like with a credit card, but that has never been a problem for me.
"Visa's Zero Liability Policy* is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. "
And, my credit union offers me the ability to lock/unlock my card whenever I wish: "To block your cards immediately, Visa Card Lock gives you card control at your fingertips by letting you lock or unlock your debit and credit cards in ComputerLine or the mobile app."