And really no props to Amex are necessary. They are responsible for any losses over $50 due to fraud, not you, and you’re not even responsible for the first $50 if you lose the card and report its loss before any charges go through. That’s true for credit cards, but not so true of debit cards. There are some protections for debit cards but they are not as strong and don’t favor the consumer as much.
For this reason I only carry a credit card and absolutely refuse to use any kind of debit card. A couple times the credit union or the bank has sent me a debit/ATM card and I’ll have tell them no thank you, send me an old fashioned ATM-only card or I’m taking my business elsewhere.
