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I've had debit cards from 3 different banks over the past 5 years. I have never, ever gotten calls to verify any charges.
I've had 3 credit cards over the past 18 months, and each one has called me up at some point to verify a transaction. One when I suddenly made a much larger than normal purchase, another for making 3 online purchases in a day, and the other for buying coffee and a sandwich at 7-11 every day for several weeks. It just showed up to them as a gas station, and gas being charged to it every single day raised a flag.
Credit cards are much better for fraud protection. Banks issuing debit cards don't seem to have nearly the same level of interest, and once your money is gone, it's gone. I hear they are getting better, though. Plus, a debit card won't do a damn thing for building credit, and that's important. The difference between 5% and 9% interest on a decent sized mortgage is considerable.
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