Ask HN: I bought Voltaren at the chemist, now Google shows me ads for it. Why?

Re:Ask HN: I bought Voltaren at the chemist, now Google show... by gambiting on Sunday April 18, 2021 @12:06PM (#26853627)

So here's the thing - I don't understand the liability thing. At least here in the UK I have disputed transactions on my debit card several times and every single time the charges were reversed during the phone call, I had the money back instantly. Is that only available for credit cards in the US?

[ Parent | on HN ]

Re:Ask HN: I bought Voltaren at the chemist, now Google show... by gumby on Sunday April 18, 2021 @04:39PM (#26856134)

That is correct.

[ Parent | on HN ]

Re:Ask HN: I bought Voltaren at the chemist, now Google show... by gpanders on Sunday April 18, 2021 @05:13PM (#26856429)

Citation needed. I use credit cards exclusively so I cannot say for sure, but I am extremely skeptical that banks don’t offer any fraud protection on debit cards in the US.

AFAIK the main reason people prefer CC’s over debit cards for fraud prevention is simply that with a debit card your money comes out immediately if it is used by someone else, whereas with a CC there is a 30-day buffer.

[ Parent | on HN ]

Re:Ask HN: I bought Voltaren at the chemist, now Google show... by gumby on Monday April 19, 2021 @05:13AM (#26860604)

Literally the first links when I search for ‘fraud protection credit card debit card” are below.

The TL;DR is:

- you have a short window to report DC fraud before you bear the full risk; CC risk is capped

- dispute a CC charge: you don’t owe anything / accrue interest until resolved; DC case you don’t get any money back until bank decides it’s not your fault. Tough luck if you needed that money to pay your rent.

https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-cr...

https://www.experian.com/blogs/ask-experian/are-credit-cards...

https://www.nerdwallet.com/article/credit-cards/credit-card-...

https://creditcards.usnews.com/articles/why-credit-cards-are...

https://komonews.com/sponsored/wafd/financial-focus-tips/cre...

[ Parent | on HN ]