[GH85Carrera]

I have been using credit cards since the 1970s and a debit card for over 35 years. I have never lost a nickle. I have had the number stolen a several times over the decades and that money was always returned. The credit card companies have great fraud departments.

The most annoying part was having a card stopped due to fraud, and having to set up a new card with the places that charge me automatically.

Recently my business partner ordered some 2TB USB 3.0 thumb drives that looked promising. They sent us a box of crap. Just electronic flotsam and not one thing that was usable for us. I called the credit card company and they took the charge off, but put it back when the vendor squawked. So I sent email and explained it. Once again, the charge was removed and put back. So I called the Credit card company to find out WTF was going on.

In the end I had to send an analog letter, and some photos of the crap, and prints of the same images I had emailed before. It took a month, but the charges were reversed, and and we got the money back. I gave the box of crap to my business partner since he ordered them.

The credit card and debit card folks have my back. I simply don't worry about it.