I recently read that fraud protection only applies to credit, not debit, cards? Does that mean I am not covered for mistakes, errors, fraud, non-delivery, etc on my debit card (that's the one without fees).

And I also read that especiallly in Zimbabwe charges are apt to be put through in USD instead of Zimbabwe currency and that there's no redress.

I am thinking to pay the MBNA fees (Amtrak card) and take traveller's checks for Africa next month.

Sylvia