<prompt> Human: I dont need to borrow, but Ive always used my debit card. Is it a better idea to start using a credit card and keeping my debit card in my wallet? Of course I can earn points too, but do credit card companies offer more protection if my credit card is stolen?  <response>: Biggest difference is if someone steals your debit card info, your bank account is now empty. If someone steals your cc info, you owe money.Its easier to dispute a debt than have to worry about how you will pay your rent 