<prompt> Human: I am 18 years old and tried applying for a credit card not too long ago. I went to my bank Chase and they wouldnt even let me apply because the guy said its just easier to use my debit. He even said if something were to happen with my money, they would replace it somehow. I applied for a credit card again and I got a notice in the mail saying I couldnt get it because of my credit score.I told my parents this and they said it is not safe to use debit cards online and they even told me some horror stories.Is what Chase bank told me really true or is it not safe to use a debit card for online purchases?Assistant: Using credit cards is safer. If your debit card information is stolen then youre the one who looses money and needs to fight to get it back. Youre also liable for up to 50. With credit cards if you report a transaction as fraud you never get charged for it until it gets straightened out. You have have a 0 liability. And with big purchases credit cards often offer some insurance as well.Human: What should I use if I want to buy things online? Are there any other options other than pre-paid credit cards like urosydoodles said?  <response>: If you dont have a CC, just use your debit. Ive used mine online plenty. My only point is that CCs are less risky than a debit card. But you should consider getting a secured card if you get rejected from student cards so you can start building your credit. Just remember to always pay your balance in full each month. 