The facts are simple: Consumers have more protection on a credit card than a debit card. The Visa/MC logo on your debit card gives a false sense of consumer sec

The facts are simple: Consumers have more protection on a credit card than a debit card. The Visa/MC logo on your debit card gives a false sense of consumer security. Here's an example. Buy a laptop from ebay. Pay with debit card. Seller ships a brick in a laptop box sends via Fedex. You sign for the package, open the box, realize it's a brick. You dispute the charge with your bank. They are nice so they provisionally give you a credit. They call the sender. Sender says "I have a tracking number, he signed for it, he's lying, I sent him a working computer." You lose this dispute. The bank tells you to sue him in small claims court. With a credit card, as long as you dispute before you pay the bill, the dude doesn't get paid, and you don't get charged. Once you pay, your rights are diminished.