[CRussel]

Originally Posted by wodin

Here in the US, laws regulating credit and debit cards result in debit cards being much less secure. I've pretty much stopped using my debit card except for auto pay transactions (and COSTCO because they don't accept MC).

Originally Posted by Cinisajoy

As to the credit card thing, I would much rather have to change a credit card than a debit card. At least then all your money isn't tied up until you get the new card.
Or the bank freezes your card because 1st purchase shows Austin, second Cleburne in under 2 hours.
Makes sense except for we wish a human had looked, because all state parks show Austin. We had to go to Burleson to get the card reactivated.

Originally Posted by Hemmi

I never use my debit card except at the ATM to get some cash. I'd much rather use a credit card where there's a layer of protection between a thief and my money.

I've started separating my cards. I use one exclusively online and another exclusively in person. Since I started doing that (about 2 years ago), my online one has been hacked once and the in person one zero times.

Canada is a very different environment on that front. Interac is the norm here. Our protection laws are different, for one thing, but more it's a bit of Canadian Frugality. We all know that vendors pay less for Interac than credit cards, and we tend to avoid running up credit card debt. Many, many Canadians who don't even own a credit card, or never use the one they have, use Interac for most things. I hardly ever carry cash -- I use my bank card. Plus, of course, there are other services that Interac provides, including the absolutely best way to send money to some one. Cheaper than PayPal by a goodly margin, and instantaneously in your bank account. Even companies use it -- when I submitted invoices to a firm I was consulting for, they simply Interac'd the money to me. Much faster and easier than the alternatives.