This. And if these things happen to you with any frequency they aren't so friendly. I've gotten my debit card skimmed several times (I was able to determine thr

This. And if these things happen to you with any frequency they aren't so friendly. I've gotten my debit card skimmed several times (I was able to determine through the process of elimination that my at the pump usage at the gas station was responsible). The last time, which of course happened to be the only time I got hit for any significant amount of money, the bank fought every step of the way and ended up ruling against me. I had to go back and forth with the BBB to finally get it sorted out. In the end, it was a months long process with lots of headaches.