I regard this as dealing with differing amounts of annoyance. Fraudulent credit card charge? Pffft - it will get taken care of with maybe two phone calls. Fra

I regard this as dealing with differing amounts of annoyance. Fraudulent credit card charge? Pffft - it will get taken care of with maybe two phone calls. Fraudulent debit card charge that leaves me with $8.31 in the bank? Getting up there on the annoyance scale. I have cash to live on for a few days, but it will likely require several phone calls and some outstanding bill-pays may bounce[0]. Someone buying a car with my stolen identity? Hugely annoying. [0] I have a couple of monthly bills that cause a physical check to be printed and mailed. And one of the recipients only checks their mail twice a week so the float time is significant. I deal with them because I must.