How long does it take to get the money back? How long for them to determine whether it is fraud or not?Knglou wrote: ↑Mon Aug 12, 2019 10:16 amIf you use a visa debit card you have protections
Protections for Visa Debit cards
When you sign for purchases, Visa Debit card's security protections help prevent fraud with following features:
Visa's Zero Liability Policy, which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to your card.
Continuous fraud monitoring to detect suspicious activity on your debit card
A 3-digit security code to verify your identity for Internet and phone purchases
If your Visa Debit card is lost or stolen and fraudulent activity occurs, you are protected by Visa's Zero Liability Policy. That means 100 percent protection for you. Whether purchases occur online or off, you pay nothing for fraudulent activity.
You can read the rest on the visa website I am not sure of MasterCard never used them
With charge cards (most of them, and Amex definitely), once you file a dispute, they put a "hold" on the charge, and you don't have to pay it until/IF the dispute is not determined in your favor. So even if it takes quite a while to get settled, you aren't "out" the money. You still have all of the money in your checking/bank/etc., account as you started with.