[WhiskeyX]

Debit cards do not “do the job” because they are so much more dangerous to use when compared to credit cards. Walmart stopped accepting personal checks without using a debit card to put a hold on the funds in your checking account, the exact same as using the debit card without the personal check. Since then we use only credit cards at Walmart, because we will not use a debit card transaction due to the risk of fraud and having the checking account funds being put on hold or the funds being drained out of the account by fraudlent transactions.

Before anyone uses a debit card for anything, they must read the articles about the dangers and see what risks they face by using a debit card.

[Dr. Sivana]

Before anyone uses a debit card for anything, they must read the articles about the dangers and see what risks they face by using a debit card.

I have had attempted ID fraud with both (most recently someone tried to buy $2,000 worth of sneakers at a Foot Locker in TX, using my debit card info. Fortunately, the bank figured it out before the transaction was made. However, similar has happened with CC info.) I do know there is a low ceiling for CC liability that may not apply to debit cards.

You have made good, valid points, and I withdraw my original statement. Pick the mode of spending that best fits your personal situation.

[Verginius Rufus]

I generally use a personal check to pay at Wal-Mart without any trouble. Otherwise I pay in cash—I don’t think I have ever used a credit card there, and definitely never a debit card.