Why you should use credit cards instead of debit when buying online
Using a credit card for online purchases gives you stronger protections than using a debit card, making it easier to dispute fraud or a bad merchant and protecting the money in your bank account. Credit cards keep your bank funds separate and often offer better consumer remedies for unauthorized charges.
Who Is at Risk
Anyone who shops online with a debit card is most at risk, because debit fraud can immediately reduce the money in your bank account.
What to Watch For
Watch for unexpected charges, emails or texts about purchases you don’t recognize, or sudden drops in your bank balance after shopping online.
What to Do
When shopping online, switch the payment method to a credit card and enable transaction alerts or notifications in your bank or card app.