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I'm assuming you ended up with no debit card for a few days at least. That's a huge inconvenience in my opinion.



No, because I have many debit cards from different banks in order to have redundancy and increase availability when the bank's system is down, or a particular card simply won't work at some merchant, but other will (usually happens in the US with my European cards).


So the sites should drop the safety features because there exists a user who would not be personally inconvenienced by the theft of their credit card details?


And that adds the overhead of managing multiple balances, fees, and credentials. You don't seem to be a typical bank user, so I'm still going to conclude that getting a credit/debit card stolen is a huge inconvenience.


The biggest risk of credit card data being stolen is not loss of money, but identity theft.




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