我们来探讨一下借记卡和信用卡在安全性方面的区别：



借记卡：

欺诈交易的责任：

根据《电子资金转账法》(EFTA)，您对欺诈性借记卡交易的潜在责任几乎是无限的。

如果您的卡丢失或被盗，您有最多 60 天的时间进行报告。 之后，您将失去所有被拿走的钱。

欧洲自由贸易联盟 (EFTA) 下的责任限额：

在未经授权的交易之前报告卡丢失或被盗：零责任。

两天内报告卡丢失或被盗：责任限额为 50 美元。

60 天内报告卡丢失或被盗：责任限额为 500 美元。

60 天后：无保护。

如果只是您的卡号被盗（并非物理丢失或被盗），则 60 天的期限从欺诈交易的账单日期开始算起1。

立即从您的帐户中扣除：

当您使用借记卡时，钱会立即从您关联的银行账户中扣除。

如果发生欺诈交易，您的资金将直接受到影响。

信用卡：

欺诈交易的责任：

根据公平信用账单法案 (FCBA)，您对欺诈性信用卡交易的最高责任为 50 美元。

如果您在发生任何欺诈交易之前报告卡丢失或被盗，您的责任为零。

许多信用卡承诺对所有欺诈交易承担零责任。

借钱及稍后还款：

信用卡提供信用额度，您可以借用该额度，最高可达预设限额。

您从发卡机构借钱并稍后偿还。

如果发生欺诈，不会直接影响您的资金； 这是发卡机构的资金受到威胁。

建立信用记录：

负责任地使用信用卡有助于建立积极的信用评分。

额外的好处：

信用卡通常提供奖励，例如现金返还、旅行积分或折扣。

使用信用卡更容易对麻烦的购买提出争议2。

总之，虽然借记卡和信用卡都提供欺诈保护，但信用卡通常被认为更安全，因为它们具有更好的责任限额、争议解决流程和额外的好处。 选择符合您的财务需求和风险承受能力的一种！


Let’s explore the differences between debit cards and credit cards in terms of security:

Debit Cards:

Liability for Fraudulent Transactions:Under the Electronic Funds Transfer Act (EFTA), your potential liability for fraudulent debit card transactions is virtually unlimited.If your card is lost or stolen, you have up to 60 days to report it. After that, you lose whatever money was taken.Liability limits under the EFTA:Lost or stolen card reported before unauthorized transactions: Zero liability.Lost or stolen card reported within two days: $50 liability limit.Lost or stolen card reported within 60 days: $500 liability limit.After 60 days: No protection.If only your card number is stolen (not physically lost or stolen), the 60-day period starts from the date of the statement with the fraudulent transaction1.Immediate Deduction from Your Account:When you use a debit card, the money is immediately deducted from your linked bank account.If fraudulent transactions occur, your funds are directly affected.
Credit Cards:

Liability for Fraudulent Transactions:Under the Fair Credit Billing Act (FCBA), your maximum liability for fraudulent credit card transactions is $50.If you report your card lost or stolen before any fraudulent transactions, your liability is zero.Many credit cards promise zero liability for all fraudulent transactions.Borrowed Money and Repayment Later:Credit cards provide a credit line that you can borrow against, up to a preset limit.You’re borrowing money from the card issuer and pay it back later.If fraud occurs, it doesn’t directly impact your funds; it’s the card issuer’s money at stake.Builds Credit History:Responsible credit card use helps build a positive credit score.Additional Benefits:Credit cards often offer rewards, such as cashback, travel points, or discounts.Disputing troublesome purchases is easier with credit cards2.
In summary, while both debit and credit cards offer fraud protection, credit cards are generally considered safer due to their better liability limits, dispute resolution processes, and additional benefits. Choose the one that aligns with your financial needs and risk tolerance!