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The VISA debit card agreement says I have the exact same protections as a VISA credit card. Is this not true?

A calcuated marketing speel

As previously noted, this is a promise from the bank and not a legal requirement.

With fraud, while being disputed the funds are already withdrawn from your account.

Local example: Some Lucky's cash registers were compromised. Debit card information including PINs were stolen. Initially, some banks denied fraud claims because PINs were used in the fraudulent transactions. Only after media coverage did the banks relent, and admit that since PINs were also stolen, fradulent transactions could use PINs.

I consider debit cards too dangerous to use. I hadn't gotten around to making my Debit card an ATM only card. Last week I made a mistake and used it. It will be an ATM card only by Monday.
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