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jeremy_92 OP t1_jacpd6n wrote

Reply to comment by Werewolfdad in Fraudulent charge on debit card that I never use by jeremy_92

Thanks! I always thought debit card charges were pretty hard to recover. Glad to hear I was wrong!

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burner46 t1_jad30sw wrote

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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