Back on topic, people who claim debit cards have the same protection as credit cards always ignore the major difference: debit cards result in money being immediately withdrawn from one’s bank account whereas with a credit card, even the one set up for automatic payment in full, one sees the bill two weeks to a month before the money are actually taken. As a result with debit cards one sees a mistake or fraud after the fact. If the charge occurred in the beginning of the month, it could be almost a month or, if one checks one’s balance more often, a couple of weeks after the fact. In the meantime checks or automatic payments can bounce. After the fraud or a mistake is noticed, the bank may put back the money within 24 to 48 hours, but by that time a lot of damage can be done. At the very least – a lot of hustle. With credit cards, one gets the bill between 2 weeks and a month before the payment is due. If one calls and complains, one’s bank account is never touched.