> This doesn't happen in my parts of the world (Eastern European country) where most of the people still use debit-cards. In Netherlands banks are still respon

> This doesn't happen in my parts of the world (Eastern European country) where most of the people still use debit-cards. In Netherlands banks are still responsible, no matter debit or credit card. It's pretty common for the bank to have refunded someone before the customer notices anything. The skimming bit only worked super easily with the swipe system. With the chip it reduced the amount of fraud considerably. Plus they only allow the card to be used in Europe by default (you can easily change this setting in any bank). People now moved to social engineering (pretending to be the bank and telling people to transfer money).