Other than getting cash out of a bank machine, NEVER use your debit card for a purchase. If there are fraud issues your funds maybe tied up. If there are fraud issues with a credit card, your credit is tied up. I would rather my credit be tied up than my personal funds. It may take some effort to make sure your credit card spending does not exceed your ability to pay the bill off monthly, but the effort is worth it. On top of that I use cards with a reward system and get various free travel items.