I check my bank account, online, everyday...debit misuses will show up overnight. Credit card misuses only show up when you get your bill once a moth, unless you check your credit card online (which I do about once a week.)
Re: debit misuses will show up overnight.
It is still too late. How do you expect to get money back from your account?
With credit cards, if you get your statement 20 days later and there are fraudulent charges, you can still have them stopped.