If you use a debit card, instead of a credit card, do you worry about someone draining your account?

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If you use a debit card, instead of a credit card, do you worry about someone draining your account?

Bignuf Bignuf
With a credit card, someone could max out your credit, true. However, if someone got access to your debit card, they could, potentially, clean out all your bank accounts. Does this concern you when using your debit card around town for payments?
01/30/2013
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xilliannax xilliannax
Quote:
Originally posted by Bignuf
With a credit card, someone could max out your credit, true. However, if someone got access to your debit card, they could, potentially, clean out all your bank accounts. Does this concern you when using your debit card around town for payments?
Not any more than my credit card
01/30/2013
Gunsmoke Gunsmoke
Quote:
Originally posted by Bignuf
With a credit card, someone could max out your credit, true. However, if someone got access to your debit card, they could, potentially, clean out all your bank accounts. Does this concern you when using your debit card around town for payments?
Credit card companies generally limit your liability for fraudulent transactions to $50-$100. There are no such protections for debit cards.
01/31/2013
GONE! GONE!
Sometimes. That's why I try to limit my usage of debit and use Paypal when I'm online. Not sure if that helps but I like to think it does.
01/31/2013
The Vixen The Vixen
No, I don't really worry about it.
01/31/2013
darthkitt3n darthkitt3n
No, it doesn't worry me. I check my bank account almost daily to see what charges are on my checking account. I also have alerts set up on my account so that it notifies me if more than so much money is charged or if a check or ATM transaction goes through.
01/31/2013
Mr. E Mr. E
Credit cards have so many advantages over debit cards that I will not go near a debit card. I do not have a debit card and never will.
01/31/2013
butts butts
I only use debit cards right now, I have a credit card but it never gets used. I get nervous about losing it, but I check my account so often that I'd know right away if something happened.
01/31/2013
js250 js250
I do not use my bank debit card for purchases--just at the bank ATM. I do use a reloadable debit card and place the amount I will need for purchases on the card--they can go ahead and take it, they will not get anything!!!
01/31/2013
Trysexual Trysexual
I never use a debit card. I use credit and pay it off every month and offer fraud protection and spend the cash back I earn.
01/31/2013
travelnurse travelnurse
I use my Debit card but they won't let unusual stuff go through, I did have an incidence this last summer and the Bank took care of it immediately!
01/31/2013
Passion plum Passion plum
No. I keep pretty close track of it and an not that concerned. I also keep more than one account but only use the debit card from one of those accounts.
01/31/2013
Incendiaire Incendiaire
I don't worry, but then I keep most of my money in a separate savings account in order to get better interest on it.
01/31/2013
Rory Rory
I never use a debit card.
01/31/2013
Airen Wolf Airen Wolf
Quote:
Originally posted by Bignuf
With a credit card, someone could max out your credit, true. However, if someone got access to your debit card, they could, potentially, clean out all your bank accounts. Does this concern you when using your debit card around town for payments?
My bank has a protection for that...over a limit we set ourselves they close the account and call us for authorization. It seems like a pain in the ass until you fend off a 3 thousand dollar charge for groceries. So we put up with having to call the bank to authorize withdrawals over our limit.
01/31/2013
KyotoAngel KyotoAngel
I use a Bluebird (prepaid, reloadable American Express card you can get at wal-mart that's free to reload) and don't have a bank account, so no...I'm not all that worried.
02/01/2013
Total posts: 16
Unique posters: 16