Comment by hvb2
2 hours ago
> When someone steals my debit card and spends all my cash, I dispute it.
You gave them your PIN too? Yes, then you have something you explain.
Without it no one is spending anything beyond the tap to pay amount which would typically be low amount (double digits)
Not all debit transactions require PIN inputs here in the US. Many can also just go through the credit card networks. For example, all my debit cards in my wallet right now have a VISA logo on them and can run through as if charging a VISA card. I've had other accounts and banks in the past which went through the Mastercard network. However, I do not get any of the extra protections, the money comes straight out of my checking accounts.
On top of that, I can use the card online using the same kind of credit card numbers. This does not require a PIN.