"@colorisnteverything: The point is, with debit cards much of your fraud liability is governed by your bank's policies and goodwill rather than the law."
"Not to really blame the OP, but this is basically an inherent problem with debit and credit cards...they use automated systems to try to flag fraudulent transactions."
"@calquist: Or how when they open new ones, all the people behind you jump right over to it before you can, making you wait longer even though you were there first."
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