<prompt> Human: I was always under the impression it was unprotected. However, Dave Ramsey in his myth section chapter of his Total Money Makeover book mentioned it as false and that any card which carries the VisaMastercard logo will offer the same protection as credit cards.It is that in my experience with prepaid cards is that most merchants online do not always accept them. I never tried a debit, but I have with the Visa gift cards and been denied. Due to the risks of debits direct relationship to my bank account I never risked it.Its been a long time since I looked into the consumer protection laws for this matter so Im asking here for opinion.Thanks  <response>: You generally have some fraud protection with debit cards, the difference being you will be out the actual cash spent until the investigation is completed.In addition credit cards may offer additional purchase protections - extended warranties, price protection, rental car insurance, trip cancellation insurance, etc. etc. 