>Is there objective data that US debit cards have more fraud impact for their users? Debit card fraud is rampant here in the USA. I cannot think of anyone I k

>Is there objective data that US debit cards have more fraud impact for their users? Debit card fraud is rampant here in the USA. I cannot think of anyone I know personally who has not been a victim of debit and credit card fraud at least once (most have been hit multiple times). The difference usually is that in the case of credit card fraud, you go to charge something, and your card doesn't work. You call up only to find out your credit card has been frozen due to a pattern of suspicious purchasing behavior in some distant state. Credit card companies are very diligent about this because it is their money on the line. When it comes to debit card fraud you only find out about it when you check your account and see your balance decimated or a list of phony charges that you didn't authorize. In the case of credit cards, you aren't responsible for paying the phony charges. In the case of debit cards, you are usually just out the money. It is very common here.