It's basically impossible these days to have a card without Zero Fraud Liability (in the US.) If you somehow have such a card, RUN. This is not a drill. You nee

It's basically impossible these days to have a card without Zero Fraud Liability (in the US.) If you somehow have such a card, RUN. This is not a drill. You need to get yourself and everyone you don't wish death on the fuck away from that bank 30 years ago. Go literally anywhere else. However, even at banks with good policies, "extra" security measures are excluded from Zero Fraud Liability. PIN transactions, Verified by Visa, etc. appeal to the HN spirit of "taking responsibility" for your own security. But you are doing just that - "taking responsibility." If the added layer of protection can be broken (hint: it can) then you will have no recourse. For a credit card, your loss is at least capped at your credit limit; some debit cards have transaction limits of $15k+. We're talking possibly your entire account, irrecoverable, because you were an idiot and tried to protect yourself instead of letting the rest of the system eat the loss. The security of your credit card number is everyone else's problem. Treating it like your own problem is actively sabotaging your ability to recover from the inevitable fraud.