<prompt> Human: The past few weeks Ive gotten comments from friends when I put my card down to pay at restaurants that I am using a debit card. I love my hotelmillage points, but I dont like to make a huge cc payment at the end of the month. When my friend asked me why do you always use a debit card, i asked if he pays off his cc in full every month. His reply was I make automatic payments..and it got kinda awkward because I called him out. Is using CC over DC something people often convince themselves is a good idea because of points?  <response>: Points arent the only consideration. Theres also the issue of fraudulent charges. While both a CC and a DC will protect you, with a CC youll never have to pay the fraud amount. With a DC the amount is already gone, and it may take some time to get it back. And if they drain your account youre looking at the possibility of bounced payments to other vendors and all the headache that comes with that.There are many other issues at play as well, but this is one that I see a lot of people not considering. 