From what I was told, if your card gets cloned here and used abroad the bank will eventually reimburse you. If its used over here, it needs a pin number (apart from mail order) and they more or less say fuck off, you shouldn't of given your pin number out and you have to literally fight to get your money back

As well as that, if your card gets stolen or cloned the Police aren't really interested any more and your just given a crime reference number. The banks now deal with card fraud internally and are left to decide if they want to pay you back or not.

Crazy really.

There used to be some right flash twat that used to drink in the same pub as me. He was always or seemed to be loaded and literally throwing money around. He was in the local paper for card fraud to the tune of over £3million. He worked in yes, you guessed it, the fraud dept for a well known bank. Doesn't exactly fill you with confidence