Credit cards offer the protection in that you are responsible for no more than $50 of unauthorized charges. I've had my cc's hacked twice and wasn't responsible for any of the unauthorized charges. My husband's card was hacked a couple of weeks ago and the cc company isn't making him responsible for any of the unauthorized charges.
If money is taken directly out of your bank account, good luck! Even if the bank agrees to put the funds back in, it could be several months.
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~~Diane~~
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