Last month my Visa debit card was cloned at an ATM and several hundred dollars were withdrawn. It happened on a Friday and my bank had to cancel my card leaving

Last month my Visa debit card was cloned at an ATM and several hundred dollars were withdrawn. It happened on a Friday and my bank had to cancel my card leaving me without access to any funds. It took about five days to get a new card created and shipped to me. If I had a local bank it wouldn't have been much of a problem as I would have been able to withdraw funds in person. I agree that chargebacks are pretty easy but in my experience the card itself had to be canceled and reprinted causing an inconvenience. Luckily I have credit cards for emergencies such as this. All things considered it wasn't a huge deal to me personally but I could see how fraud could potentially be quite the problem for some. Edit: To add, I also needed to print out, sign, and fax an affidavit form for my bank along with a scan of the card itself to prove it was still in my possession.