Gearing up for our reach in a couple weeks - was at my credit union today. Asked about fraud coverage. They told me that if it is a pin transaction, I am not covered. Um, what? I'm only covered for credit transactions. She cheerfully told me to just use my card as credit at the places I go. No, not like that in Negril.... Maybe others knew this, but I had no idea, so I thought I'd share. Glad I asked. Making different money arrangements for this trip.