Your right it is better to use a check. In the event of a fraudulent check you are liable for $0, if you report it within 30 days of your statement same time p

Your right it is better to use a check. In the event of a fraudulent check you are liable for $0, if you report it within 30 days of your statement same time period for credit cards. More than thirty days latter you split the responsibility with the bank, for credit cards it is your problem. The bank that cashed the check is on the hook for the funds in the case of check fraud.