Money Rehab with Nicole Lapin · Thursday, October 1, 2026
Nicole Lapin expresses frustration that banks are not doing enough to protect customers, particularly from scams involving Zelle and debit card transactions. Unlike credit cards, these payment methods offer little recourse for victims, leaving them to absorb financial losses from fraudulent activity.
“What really pisses me off too, and I think the financial services companies and institutions are failing us because once we send a Zelle or something, they're like, Sorry. Sucks to suck. Sucks to be you. There's nothing we can do.”
“From a Zelle perspective, it's really hard to get your money back because then the banks are going to be out of luck and you're the one that's actively doing that.”
“So I would always tell people is like, try to use a credit card wherever possible because they can take back the money. Credit cards are a lot better at getting your money back than anything else.”
“I will never use debit. I do not understand why anyone uses debit. Maybe you can enlighten me, but there's like no reason. Like you're not getting points. You're not getting any credit. You're there's nothing there you get nothing and you if you use debit you don't get your money back if there was a scam”