We've never been held responsible for any fraudulent purchases made on our credit cards. Just recently, someone tried to buy several hundred dollars worth of tickets with our card number, and the next time I tried to use the card, it was flagged at the checkout and I had to call to find out why. The card company told me about the ticket purchase attempt, and they canceled our card and issued us a new one. We always get a call from our credit card company when purchases are made that don't fit our profile, just to make sure it was us. We don't ever have to pay for purchases that we didn't make ourselves.

I've heard of people getting their money wiped out when people working in stores and restaurants stole their debit card numbers and used them. I don't know if they were able to get the pin numbers during the transaction or if they were using them in a way that didn't need a pin number. They have ways now of getting information from transactions using some kind of electronic scanner thing.