<prompt> Human: Recently watched a Dave Ramsey clip that seems to go against the conventional wisdom in this community. He was saying that erroneous charges have the same protections to the credit andor debit card holder. Everything I see on PF usually recommends credit cards over debit cards because of the greater security and decreased liability to the card holder. Has anyone had experience disputing charges on both types of card?  <response>: Dave Ramsey is Not Helping.If someone makes an unauthorized charge on a debit card, you are out the money until you get it back.If someone makes an unauthorized charge on a credit card, you are not.There are some minor differences in the liability requirements for card issuers, but the big problem is the one I just described. 