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The US (and Canada) have much weaker consumer protections for debit than credit.

If a merchant posts a fraudulent transaction against a credit card, you'll most likely get your money back. If a merchant posts a fraudulent transaction against a debit card, you might not get your money back.

More dangerously, if your debit card credentials are skimmed and used to withdraw money from your account by any means other than the retail debit-card payment system, you won't get your money back.




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