I am personal friends with my bank manager. She told me that debit cards are much riskier than credit cards because someone using the card can clean out your account in minutes and you have no protection. Where with a credit card the most you can get stuck with is $50.
Either way, I use cash for darn near everything.
If you prove you did not make the purchases you are covered the same. Of course a banker would tell you to use a credit card especially one from thier bank.
I know I’m not gonna win this argument with anyone that thinks credit cards are the only way to survive but I know better. sigh........
Yes and no. Using a Debit card as a debit card does indeed not have nearly as much protection as a credit card. However, if you use your debit card as a credit card (with Visa or Mastercard), you do indeed have all of the same protections. Unless a thief knows your PIN #, you should be fine. It generally is easier however to contest a transaction on a 'real credit card' than a debit card.