The only times I've had credit card fraud issues have been after buying something from a firearms company online. 3 times in the last 3 years.

Skimmers are obvious... It's actually an additional device attached to the front of the card slot, if you ran your card through a pump with a skimmer and didn't notice something might be up then your situational awareness skills may be lacking.

My Wells Fargo debit card has the same protections as any credit card. They actually called me on the last instance this past spring before I even knew what was going on.

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