<prompt> Human: I have been a credit card guy all my life. I swipe the card for every purchase and pay it off at the end of the month. Im switching to debit cards so that I can always be debt free.However Ive had my credit card stolen before and it was easy, the credit card company just removed the charges and overnighted me a new card. What are the typical fraud protections like under a debit card. I have a local credit union and Fidelity Investments.  <response>: Using a debit card doesnt make you any more debt free than using a credit card and paying it off every month.Edit: Let me make this as simple as possible.Reasons to use a credit card:1. Fraud Protection2. Bonus Pointscash3. Build positive credit report4. Bonus warranty and insurance protectionReasons to use a debit card:1. Cant get a Credit card. 