I don't know who issues your debit cards, but ours have the same limits of liability as a cc (Wells Fargo). We have our debit card is set up as a "Travel Account" that we pre-load with funds and can transfer fund into it using text messaging where no account number information is exchanged. Also, this "Travel Card" cannot access any other of our checking and savings accounts I like using a debit card to control expenses. You pay for something once at the time of purchase and you don't have to look at a big cc bill the next month. Using the same text messaging service, I can instantly find out the balance remaining on the card. It's just like looking in your wallet and counting the bills so you know how much you have to spend. Others may not care for this approach, though.