You are protected by consumer credit laws with a credit card which puts responsibility on the retailer and card issuer. You can issue a charge back and it's th

You are protected by consumer credit laws with a credit card which puts responsibility on the retailer and card issuer. You can issue a charge back and it's their mess to sort out. A debit card puts the onus on you. Your bank will probably help you but they're doing so for good customer service, not because the law tells them to. If you are the victim of fraud or faulty goods, a credit card is on your side. Otherwise with a debit card you may have to rely on the courts. Rule of thumb, use a credit card for everything but set it to clear the balance every month.