<prompt> Human: Im thinking of using only a debit card for a few months and no credit cards, to see how it affects my spending behavior. Im curious if debit cards are still more open to things like fraud - more so than credit cards. My main concern is someone gets my debit card and charges a few hundred bucks, with a CC they reimburse it right away, but theres always horror stories of people being out that money with a debit card. Is the latter still true, am I really open to more risk using a debit card?For reference, I would use Simple Bank owned by BBVA compass which is a Visa debut card.  <response>: credit cards are much easier to get charges reversed. they also have various other protections built in, especially on better cards. add to that the 2-3 back on everything you buy, and its foolish to use debit cards if you can use credit. just be sure to be responsible, and pay your balance IN FULL, at the end of every month. 