Originally posted by:
Sorry to learn that you joined the ranks of literally millions of people who have been "skimmed", to the tune of billions each year. The c/c issuers come up with all kinds of way to prevent it or detect it, many of which don't do much. The issuers eat the fraudulent charges, charge them back to the merchant where possible, and pass along the cost to you, the consumer, in the form of outrageous interest rates if you carry a balance from month to month.
The idea that they're "going after the skimmers" sounds nice, but in the real world it just doesn't happen. But their reps can't say that can they? Way beyond their paygrade anyway. What you really need protection from is outright identity fraud. Not that some character ripped "you" off for $300. Identity fraud can be a bear to unravel, and alot more complicated than having a skimmed charge removed and getting a new card..
Using a credit card (not a debit card) is STILL the safest and most convenient way to pay for things. Carrying around wads of $$, or having to convert your native currency to whatever is used wherever you're going isn't my idea of a fun experience, or a cheap one....we deduct big chunks off all the cruises we take by applying those cashback credits by using one card for everything, for stuff we would've bought anyway.