<prompt> Human: So, listening to Dave Ramsey and Clark Howard, sometimes back to back btw, not recommended...the whiplash is intense if you do so. Dave approaches all debt as of the devil, except 15 year mortages. Clark is more pragmatic, and while he hates debt, gives you advice on how best to use it, such as with credit cards.Dave says that using a debit card branded with VisaMC is perfectly acceptable for buying online, travelling, etc. Clark, however, hates those piece of trash his words VisaMC debit cards, because if the card is compromised, you have a harder time resolving the issue with the bank that issued the debit card, vs dealing with the credit card itself which builds in more protections.Is Dave so anti debt that this is clouding his judgement, or is Clark being paranoid?  <response>: If a debit card is compromised, the thief can reduce the available balance on your bank account instantly, leading to bounced checks etc if you dont detect and report the activity in time. Your bank cannot remove the fraudulent charges until they post they can give you provisional credit if you ask. A credit card is much safer in this regard. 