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> If someone hacks you/deceives you and somehow they got $5000 from your debit card, then your bank account is $5000 smaller.

That's a myth. I had my debit card cloned and some money stolen. The bank gave my money back. Debit cards are protected too.

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That's not a myth and your story doesn't invalidate what I said. Never said Debit card aren't protected

Between the time [some money stolen] and [bank gave my money back] your checking account balance was lowered by the amount stolen.

With a credit card, your checking account isn't directly affected.

Both are protected, the difference is your effective checking account balance in the time window between the time the money is stolen and the money is recovered.

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