Darren New wrote:
> Jim Henderson wrote:
>> Well, with the debit card, you've got a PIN associated with it, so I 
>> don't quite understand the issue there.
> 
> Not the ones that work just like a credit card, AFAIK. In any case, the 
> legal system distinguishes.  If someone's going to steal money, I want 
> it to be the bank's money, with them proving I owe it to them, rather 
> than my money, with me proving to the bank they need to give it back.
> 

Just for the record, I help people with fraudulent use all the time, and 
at least the bank I work at is pretty good about giving people 
provisional credit*.  They'll usually get it in less than 48 hours.

*That is, we assume that when you fill out a fraud report you're telling 
the truth, so we deposit the missing money to your account.  Once we've 
finished our investigation, we either take the money back from you (if 
you were just trying to work the system), or pursue it from the 
criminals (if you were telling the truth).  In practice, the system 
works rather well.  The only people I've ever heard complain about it 
are the ones we proved were lying about the fraud.

...Chambers

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