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Comment by enraged_camel | Hacker News Reader

>>If your site sacrifices user experience, I will hate your site. Simple as that.

Even if said sacrifice keeps your credit card safe?

I mean, if you are staying on the same site, you have no guarantees that the site isn't storing your credit card info in an unsecure manner.

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I don't care about keeping my credit card safer that it already is. I am not liable for credit card fraud. In this insecure world we live in, I have not lost a single dime, nor any time, nor was I inconvenienced in any way by card theft. It's not my problem to worry about.

My debit card was skimmed once, a few weeks ago. The bank detected fraud, notified me that they sent me a new card, and I didn't lost any money. I only lost two minutes of my life while I was talking to the bank on the phone.

I'm assuming you ended up with no debit card for a few days at least. That's a huge inconvenience in my opinion.

No, because I have many debit cards from different banks in order to have redundancy and increase availability when the bank's system is down, or a particular card simply won't work at some merchant, but other will (usually happens in the US with my European cards).

So the sites should drop the safety features because there exists a user who would not be personally inconvenienced by the theft of their credit card details?

And that adds the overhead of managing multiple balances, fees, and credentials. You don't seem to be a typical bank user, so I'm still going to conclude that getting a credit/debit card stolen is a huge inconvenience.

The biggest risk of credit card data being stolen is not loss of money, but identity theft.

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