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or just run your debit card as credit and don’t play with snakes?

• toomuchtodo 7y ago
  It’s a lot harder to deal with fraud with a debit card vs a credit card. Better to never use the debit card, use a credit card for everything, and then pay off the credit card on time each month via ACH/bank transfer. If you can, get only an ATM card for your checking account. A lot of pumps support NFC/Apple Pay at the pump now. Also a great option instead of pulling a card out.
  • leesalminen 7y ago
    I’d always been taught that if I run a debit as credit, and the transaction occurs over the Visa/MC network, then it has all the same protections as a credit card when it comes to fraud/chargebacks. Are you saying that is incorrect? That would be pretty concerning.
    • BubRoss 7y ago
      That's not what he is saying.
    • op00to 7y ago
      With debit you’re bprotected as a credit card. The main difference is when there’s a dispute, it’s your money that’s on hold instead of the banks, potentially for months.
    • brewdad 7y ago
      When the number on the card itself is compromised, regardless of whether your transaction was credit or debit, future transactions by the thief will put your money at risk (possibly for months) rather than the bank's money. Debit cards should be reserved for ATM use only. Not a perfect solution but unless you are going to swear off of ATMs as well, the best one can do in the US.