Card skimming, or card shimming does not affect the end-user of a credit card, beyond a fairly minor inconvenience. While the law says that consumers have no more than $50 in liability when their credit card is stolen, most credit card issuers have "$0 liability" policies, and consumers are not liable when their credit card number is used due to a data breach. This is something that was
pointed out on the first page.
Minor inconvenience? I disagree since there's real concern if technology illiterate user use their credit card on physical store. At least in my country, there are few news where rouge worker perform skimming/shimming when user give their credit card to the worker. Besides, i merely mentioned about s
himming to show that card with chips isn't 100% secure.
If your card information is stolen by a criminal via whatever means, the end-user is not going to pay for any unauthorized transactions. So if your card is skimmed/shimmed, you can complete some paperwork, wont be able to use your card for a number of days while the bank sends you a replacement card, and you will not be on the hook for unauthorized transactions.
What are you saying is the loss to the end-user beyond an inconvenience? If you use a card at a restaurant for example, it will be out of your possession, and the staff can do whatever they want with it, but this will not affect the end user.
