I generally agree with what Chaosmagnet said about bank card practices.

I've had fraud on my credit card a few times. It's a non-stressful thing because 24 hours does not pass before I check my bank accounts and credit cards at least once. The bank immediately reversed the charges and started an investigation. Had the fraud been on my ATM/debit card, I would have been stressed.

I don't use my debit card for anything but the ATM. You guys have reminded me about fraud that occur on a debit card, and I will see if I can get that feature removed. By the way, I have never come across a vendor who accepts debit card but does not accept credit card. So, I use credit card everywhere I can. Further, I can't recall ever using debit card for anything my whole life.

Another good thing about using credit card is that if you time your payments properly, your credit score will keep rising. My lowest credit score is over 800, and I think it's due to how I use credit cards: I let the card show a balance on the statement date, and then I pay it off.