alt Hacker NewsThat has not been my experience at all. I've been using debit cards for all my everyday non-cash purchases for about thirty years now, and it's worked just fine. I expect to keep doing it indefinitely.
I have had exactly one encounter with fraud: a vindinctive ex-girlfriend stole my card info and had herself a little shopping spree, emptying my checking account. I walked into the credit union branch, filed a report, and walked out with $300 and a new card. All the stolen money was restored within a few days. It was not a big deal.
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You’re lucky. My colleague had his skimmed at a gas station and his bank froze his funds, causing his mortgage, car loans and other stuff to bounce. Major PITA.
May I ask why you eschew the basically free money that comes from credit card rewards as a responsible credit card user?
> All the stolen money was restored within a few days. It was not a big deal.
You just agreed with my premise but that in your case the dollar amount was low enough to be inconsequential. If someone ran up $5k of charges on your card right before you needed to pay rent/mortgage/whatever, this would have been far more annoying.
Also - credit card protects you from this scenario, for free, or in fact pays you money with any of the cash back cards.