did i screw up?

[moondogg]

Hmm, my bank told me the opposite.

BTW, what exactly do these two paragraphs mean:

[ QUOTE ]
The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa network—online or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.

For transactions on other networks, the liability decision is left to the financial institution that issued your card. The issuer has the option of extending the same protections afforded by Visa's Zero Liability policy.

[/ QUOTE ]

What is in the network and what is out of it?