I was always under the impression my bank would protect me. As a matter of fact they do now that I think of it. A few of my friends have been victims of "skimming" and had their funds wiped out. The bank put their funds back in. With that said, I do think the CC is still a better bet. I don't think Capitol One charges a transaction fee which is good. I don't want to have to bring a lot of cash with me but am very nervous to use an ATM.