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It's not ignorance at all. If you have a weird charge on a debit card and the bank moves slowly or you have any problems with your dispute, you're out the cash until you get a resolution.
On a CC if you have a problem with a dispute you can let it sit there while they muck it out, and not be put out.
I agree with you that its simple: all my CC fraud claims (maybe 2 or 3 in 20 years) have been handled in less than 10 minutes, which is great.
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1983 SC Coupe
2020 Macan Turbo
1963 BMW R60/2
1972 Triumph Tiger
1995 Triumph Daytona SuperIII
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