I think a large factor in the lack of change in payment security (In the US anyway, I can't speak for anywhere else) is the rise of the "protected" card. I have no incentive to protect anything about my Amex.
Card got skimmed a few years ago somehow, Amex called, asked if I was in Nicaragua (I wasn't) they apologized, removed the $200 or so in charges and next-day aired me a new card. Almost zero hassle.
I'd hate to have my debit card skimmed but as far as a credit card... I'm not too worried. The risk isn't mine.
Card got skimmed a few years ago somehow, Amex called, asked if I was in Nicaragua (I wasn't) they apologized, removed the $200 or so in charges and next-day aired me a new card. Almost zero hassle.
I'd hate to have my debit card skimmed but as far as a credit card... I'm not too worried. The risk isn't mine.