Agree with everything, but...
Quote:
Originally Posted by excelblue
1.) Much better protection; if your card gets stolen, you have no liability, and invalid charges are very easily protested via a phone call (chargeback). In contrast, with most debit cards, you're liable up to $50 and have to go thru a certain (relatively long) process to recover your money.
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...most of the regional and larger banks will take no more than a week or 2 to finalize claims, but give you provisional credit in the interim (so you still have access to your money). I've never heard of this pseudo-deductable, though.
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