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It kind of kills me how badly understood this is in /r/personalfinance.

I think something like 85%+ of banks now offer next day refund of fraudulent charges from debit card charges. But that statistic is kind of meaningless in that, if your bank offers it, there's not a lot of extra protection a CC card grants you unless there's a specific value-add to the card that is meant to retain you as a customer.



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