<prompt> Human: Ive wondered about this for awhile now. Ive never been won over with the prospect of rewards points nor do I use my credit cards outside of significant events like car repairs if necessary. However, my debit card has been compromised twice and both times resolved with no issues thankfully I think they were skimmed at gas stations. Of course those instances left me without direct access to my funds. Its made me consider using a credit card primarily, and paying the statement balance monthly though Im not sure how wise that is considering the risk of it being compromised is likely equal. Thoughts?  <response>: Yes. Its not unheard of. I havent used a debit card in years. 