I had identity theft...What a nightmare.
Please, for your own safety, never use debit cards. As some have pointed out here, once a debit card is charged, your money is gone immediately, unlike with a credit card where you now simply have a balance. If your debit card is fraudulently used, you are at the mercy of the issuer, unlike with a credit card where you have federal laws protecting you. I have had a few fraudulent charges on my credit cards, and all it ever takes is a call to dispute the charge. Carrying cash is just too risky. If your cash is stolen, it will never come back. If you buy anything with cash and it breaks, you have no credit card company that offers an extended warranty. If a merchant refuses to refund you your money, you're SOL if you used cash.
+2+1
All I ever use are credit cards anymore and just pay the balance every month. I've had fraudulent charges on them many times but was never out a penny.
Please, for your own safety, never use debit cards. As some have pointed out here, once a debit card is charged, your money is gone immediately, unlike with a credit card where you now simply have a balance. If your debit card is fraudulently used, you are at the mercy of the issuer, unlike with a credit card where you have federal laws protecting you. I have had a few fraudulent charges on my credit cards, and all it ever takes is a call to dispute the charge. Carrying cash is just too risky. If your cash is stolen, it will never come back. If you buy anything with cash and it breaks, you have no credit card company that offers an extended warranty. If a merchant refuses to refund you your money, you're SOL if you used cash.
It's expensive but pre-paid Visa cards.
Please, for your own safety, never use debit cards.