this post was submitted on 21 Mar 2024
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Mine is 667. I have never used credit cards, and I don't have any debt. My partner, whose FICO score is 780, currently has about twice their annual salary in debt.

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[–] [email protected] 2 points 7 months ago (1 children)

if your debit card is used fraudulently, that money is gone from your bank account forever

Eh, this must be a case by case thing. One of my cards was compromised a couple months ago, my bank was good and got it blocked pretty quickly but one transaction for like $250 went through before they caught it, they refunded me the money in like 3 days.

[–] [email protected] 1 points 7 months ago (1 children)

Yeah you're right. "Could be gone forever" is probably more accurate. I imagine most banks would give you a bit of leeway, just like most CCs aren't going to hold you liable for the first $50 like they technically could.

But at the same time, that money is gone immediately from your account, so if a sizable amount gets debited it could put you in a pickle until/if they refund it.

[–] [email protected] 1 points 7 months ago* (last edited 7 months ago)

Totally depends on how much your bank values you as a customer. Which means it's dependent on the bank itself and their policies. About 8 years ago, the company I worked for at the time had their debit card info stolen. About $5600 was charged, bank basically told us to pound sand.