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[quote=Anonymous][quote=Anonymous][quote=Anonymous][b]The problem with a debit card is you have zero protections.[/b]  If your cc gets hacked, you could legally be responsible for $50, which most cards will waive (getting hacked is part of the cost of doing business now).  If your debit card gets hacked, too bad so sad for you - the bank is not required to make you whole.

Like others have posted, we pay off our cc in full every month and use the points for travel[/quote]
That's not true.  Federal law also limits liability for unauthorized debit card charges.  The exact limit depends on how your account was compromised (i.e., whether the card itself was stolen or just the number) and how quickly you report the loss, but are generally $0 or $50 unless you wait too long to report.  The details are here:

https://consumer.ftc.gov/articles/lost-or-stolen-credit-atm-and-debit-cards

The big issue with using a debit card isn't the loss limit, it's that it provide direct access to your checking account.  Unauthorized credit card charges can be disputed and don't have to be paid while they're in dispute.  Unauthorized debit card charges reduce your account balance until resolved.  And for people who don't have a lot of money in their accounts, that reduced balance could cause other payments to bounce.  That, IMO, is the reason not to use debit cards—not that there are no protections for them.[/quote]+1[/quote]

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