+1. When you pay with a credit card, you are paying with the credit card companies money and they are the five hundred pound gorilla that’s in your corner when trouble arises. When you pay with a debit card, it’s your money. If problems happen, it’s your money that’s gone and you that needs to do the fighting.
The only thing I ever pay for with a debit card is gasoline, and that’s here at my local station. That’s because I want the cash discount.
My Wells Fargo debit card was compromised this past Friday. I found out because Wells Fargo sent me a text asking about a charge. I live in Texas, and had used the card that day, and the fake charges were from California. They are crediting back the charges and issuing me a new card. I don't know about other banks, but Wells Fargo wants their customers to use the debit cards and seems to stand behind them. I will probably use a credit card more often from here on out, but I have had compromised credit cards, too.