We had our European debit card (chip and pin) skimmed in Europe, and it was a nightmare. The number was used in Russia in rapid succession in 20+ transaction, they wiped our bank account, and the bank was "uh... we do not know if this is fraud". The kick of it is that for US to use the card online an authorization via app was needed. But fuckers in Russia buying with strip readers a few hours after we made a purchase in France???Nah! That sounds legit!