<prompt> Human: So I followed a link from facebook to a website selling raybans. In my excitement about the sale I overlook signs of scamming. In the end I gave up my CC number and 3 digit security code. The scam charged an amount to my card. I called my bank and had them freeze the card and Im getting a new one after work. I changed my password to my account as well. They told me to call back in 30 days to try to dispute the charge if I never receive any product which I wont. So I will call and see what happens then, but for now is there anything else I can do to get my money back? Anything else I should do to protect myself?Thanks in advance.Assistant: So I will call and see what happens then, but for now is there anything else I can do to get my money back? Thats the wonderful thing about credit cards... you never lost your money. Yes, a balance appears on your credit card, but no money is deducted from your account. Wait the 30 days and then take care of it. The merchant no matter how skeptical you are has a right to try to fulfill an order before a chargeback. Anything else I should do to protect myself?Unless you gave additional information, like your social security number or something, it sounds like youre set.Human: It was actually a debit card, if that makes a difference. After I wait the 30 days and report not receiving any items, whats to stop the merchant to deny the chargeback? Sorry, Im unsure of what this actually means. Will the bank refund me, or will the charge just be reversed, or what exactly is happening with a chargeback? Whats the likelihood it happens and I get my money back?  <response>: That makes a huge difference, and is one reason you shouldnt use debit cards like theyre credit cards. Debit cards dont have the same level of protection that a credit card has, and the bank will deduct the money from your bank account instead of against your credit limit until the 30 days passes when you dispute it.If I were you, Id also assume my debit card and checking account are compromised and ask the bank for a new one: Youre good there. Watch your account closely. 