Are Credit Cards Safer than Debit Cards?  Credit vs. Debit Security

Let’s go over which is more secure in the credit card vs. debit card debate, what you need to know about card fraud, and other important safety considerations when making credit or debit card purchases.

Card fraud involves a criminal stealing a debit card, credit card, or all of either card’s details. Once somebody steals your card or card information, they often try to make large purchases quickly.

What is Card Fraud?

For credit card fraud, consumers receive protection under the Fair Credit Billing Act (FCBA).

What Laws Protect You From Card Fraud?

Credit card fraud occurs when someone uses your credit card without your permission. 

What is Credit Card Fraud?

In most situations, it’s safer to use credit cards than debit cards. Most credit cards have zero fraud liability policies and are overall safer in the event of fraud.

When is it Safer to Use a Credit Card?

The credit card issuer or the merchant is on the hook for the costs depending on the fraudulent transactions. Unless, of course, the scammer is caught.

Is the Credit Card Issuer On the Hook?

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