<prompt> Human: Not really much of a story. Went to get dinner Sunday night, card declined. Thought that was exceedingly odd, as I normally have over 4k in checking have to have over 3k for premium benefits.Saw 2700 charged to Express, and 300 to GNC. Got pissed. Called the after hours bank, nobody could help me. Called visa directly, they were very understanding and nuked the card.Called regular hours bank the next morning. They assured me the card was cancelled. Confirmed which of the charges werent mine. Said they cant proceed without a police report . Erg. So yesterday after work I go do that; The police cant really do much but I dont blame em. Finally have an appointment after work today with the bank to go over everything.Anyhoo, my main question is what am I liable for? I had something similar happen a few years ago but it was only 400 and I got all my money refunded. This is a Visa debit... and if Im out 3k then life is not going to be very happy for a good long while.Second question, who needs 2700 worth of cheaply made clothes? Insane. At least spend your stolen money on something nicer. Ugh. sThanks everyone. Sorry about promising no story and then delivering a long boring one. I understand that using debit is stupid. I will endeavor to cut my new one in half once I get it. EDIT2 : Bank was pretty nonchalant about the whole thing. Took my statement, initialed next to the fraud charges, and my money should be back within a couple days. People, take the advice given below. Use a credit card for your day to day stuff and pay it off. Dont get yourself into this headache. Thanks all, I appreciate all your comments.Assistant: This is exactly why you should use a credit card instead of debit. There are some banks that do a good job of handling debit card fraud, but more often its a story like this where they do ridiculous things like ask for a police report.You shouldnt be liable for any of it, but how long it will be before it gets returned is anyones guess.Human: Right right. I guess when I get my new debit card Ill just stick in in the safe to never see it again.I just dont like using my banks credit card because on multiple occasions they never recorded payment in full when I paid easily a week in advance. And my Amex is good virtually nowhere in this town.Anyways, youre right. Will do, and thanks.  <response>: You could consider getting a card with a better track record of good customer service and benefits, like the ones recommended on NerdWallet. 