In the past I've had a couple of fraudulent transactions on my credit card, including one in my last statement. The company was "Dream Smile". I'm not sure how they got my info to bill me, but they sure did. I did a little research on the company and apparently many others are being charged extraordinary amounts. I guess I was lucky they only got me for $14.95. Anyways, I contacted Capital One Visa credit card and about 10 days later (during the Christmas holiday) they refunded me the amount. The whole process was extremely easy and only took a few minutes to complete.

I wonder what type of protection a debit card offers. I'd think they don't have as good "chargeback" procedures as credit cards do. If I had to guess, it's because with a credit card charge, you haven't paid the charge yet, the credit card company pays it first, then later you pay them. With a debit card, when the charge comes in, you pay it up front, so the debit card company has less to lose.