<prompt> Human: Hopefully Im posting this in an appropriate place.I am in the middle of dealing with someone cloning my wifes debit card and were successfully able to steal over 1000. The cloned card was used at a couple of ATMs and Walmart a few times. The fraudulent transactions were ultimately caught by the banks fraud department. Based on what the bank told us, the thief was able to duplicate the card and assign a pin number to it, but it was the fake chip that alerted the bank. They were able to immediately know it wasnt their chip. Unfortunately, we have to wait until the transactions actually post before we can begin the claims process.Heres the point of this - the bank told us that its always best to use your debit card as a credit card. When you use those card readers and enter your pin, those machines have the ability to store you pin number. Which is why you sometimes dont need to use your pin for purchases under a set amount. The same is true at gas stations which are notorious for fake card readers. Do you find it to be true that using your pin is riskier than running the card as credit?The bank also suggested that during the heavy shopping season like xmas shopping its best to use your credit card. That way if someone is able to steal your money, its not your liquid cash. I know thats risky since people me included have a tendency to spend a lot when using credit cards. Just be sure you can pay off the balance each month.We were also told that the bank, or Walmart, most likely will not go after these people. Id love to be able to know who it is and how they got our card. Mentally retracing our steps within the past few weeks we do recall the debit card being gone an abnormally long time while paying for dinner one night. But, Im sure its most likely stolen from online purchases again, bad idea to use your debit card for online purchases.Is there anything I can do other than get my money back from the bank? I want these people to be held accountable for what they did. Especially if they are stealing our money to buy Christmas gifts...Just be careful using your debit card during this heavy shopping season.  <response>: Thats why Ive switched over to always using my credit card for purchases. If theres an issue with fraud, Chases money has been spent, and Im not out any money while waiting for it to resolve. If I use a debit card, its my money thats been spent, and Im out that money until its resolved. 