This is because credit cards have much better fraud protection than debit cards. Whether you use your debit card as credit or debit, the funds will still be withdrawn from your checking account. The truth is, if your debit card is backed by a credit giant like Visa or Mastercard (and you use it like a credit card when you make a purchase), you have the exact same protections as a credit card. If a thief gains access to your mobile payment information, it's better for your credit card to be at risk than your debit card. Book your travel with a debit card, and “they debit it immediately,” says Foley. Future travel. You can tell if your debit card will allow this option if it has the Visa or Master Card logo on it. So if you don’t keep a cash buffer in your account, “to protect yourself from over-limit fees, you may want to think about using a credit card” for recurring payments, Breyault says. Paying at the pump – When you swipe your debit card at the gas pump, the station usually puts a $1 hold on your account to validate the account. It can still be a good ideal to use a debit card when you want to limit your debt. 3. 5, 6. One Wish app reviewer stated they loved the app and that anytime there was a problem, he was immediately refunded. Consider avoiding debit card use online . Sites that don't allow you to pay through PayPal, just use the debit card like a credit card to make your purchases. This means inputting your full name and email. It's simple: Every time you use one, you put your money and your bank account at risk. 8. Bottom line: Using your debit card is just as safe as using a credit card. Other shoppers mention not having any problem with credit card or debit card charges. The Bottom Line on Debit Cards as Credit Cards. One specifically mentioned “getting fraudulent charges” on their credit card after using the Wish app. PayPal offers their own debit card that you can order and use. Most card readers will give you the option of running your debit card as a credit card, making the need for a pin code authentication meaningless. Instead, use a credit card. The truth is that Wish is just about as safe as any other online retailer. While debit cards are convenient and not inherently dangerous, the bottom line is that credit cards offer better overall fraud protection. Most credit card companies will give you 30 to 60 days to report fraudulent activity on your card. You're probably hesitant to type your credit card information on a website that sells a leather watch for $1. Some consumers choose to use only credit cards online, because a fraudulent credit card transaction takes more time for your … The card works the same as paying through your PayPal account. 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