Each location you use a card increases the risk of the number getting copied. So using a debit card exposes tons of possible people with entry points into your

Each location you use a card increases the risk of the number getting copied. So using a debit card exposes tons of possible people with entry points into your account. So once you assume whatever you use will get stolen, you determine what dealing with a stolen card number will be like. With debit cards it's your own cash locked up in a transaction dispute. With credit cards its the credit card companies credit balance and you have no money locked up.