IN THE COMMENTS: rhhardin said:
The reason not to ever use a debit card is that in case of fraudulent charges, you're the one out the money, so help is hard to find.I'm instantly convinced not to use a debit card!
With a credit card, they're the ones out the money because you simply don't pay the contested charges, and everybody is really motivated to help you clear the thing up.
Don't give up that protection easily.
AND: I'm instantly unconvinced as John Lynch said:
I protect my debit card by simply not keeping much money in the account its drawn from. If I'm making more than a trivial purchase, I transfer the money from another checking account, which costs nothing at my bank. So, if someone gets my number it's no big deal because all they can steal is lunch money. There's no overdraft allowed on that account, either.And TMink said:
I was recently charged $810 on my debit card to the WalMart in Seneca, South Carolina. This occured while I was home in Nashville. Seems I was part of the Heartland Compromise.
My bank refunded the $810 quickly and kindly.