OT RE: credit card vs debit cards

If you charge to a credit card and pay the amount within the statement period, you pay no interest (on most cards). If someone gets hold of your credit card number, makes fraudulent charges, you're not responsible for those charges, i.e. you won't have to pay for them, though I've heard from some that you might have to pay $50 bucks of it, but no more. If someone gets hold of your debit card number, and cleans out your bank account, your money is gone and you have no recourse to get it back. Debit cards suck, as they offer you no protection. I'd rethink that credit card vs debit card logic. So to summerize, credit cards offer you protection on your net purchases, debit cards don't.

If you insist on using debit cards for net purchases, have it with an account where you only keep a small amount of money in it, that way, if it's cleared out by criminals, it won't be all your money.