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Originally Posted by onesnowyowl
Most debit cards come with the same security protections as a credit card. The debit card I carry is guaranteed by MasterCard--if a purchase shows up that I didn't make, I call MC and they take it off.
They would also have to get their hands on my PIN in order to get any information about my checking account, or to access an ATM.
So no, I don't worry about the security of my debit card. I've been using one for over six years now and haven't had any problems yet, and the card companies seem to be on the ball about watching my transactions.
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Your debit card still pulls money directly from your checking account though right? When you use a credit card, the credit company pays for the item and then you reimburse them at the end of the month. Visa/MC/Amex all do a wonderful job with security and protecting their customers against fraud, but when they steal a credit card they are stealing the credit company's money, when they steal a debit card, they have direct access to your money.
This is really just a better safe than sorry point of view. I used a debit card only my first two years of college with no adverse effects and I have plenty of friends that use them primarily as well. I just feel better using my credit card, especially online or in restaurants (where the waiter disappears with your card for X amount of time).