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Protect Your Debit Card

Do you carry a debit card?

Debit cards are not protected like credit cards. Under the Electronic Funds Transfer Act, consumers can lose up to $500 if they fail to report fraud within two days. According to, you can reduce the risk of fraud by avoiding swiping a debit card at certain places like gas stations. It’s safer to pay inside or use a credit card at the pump. When going to restaurants, you don’t know where the card is swiped or who will see the information. Contactless payment machines provide a measure of protection. Or simply pay with cash. An open tab at a bar invites trouble in more ways than just debit card fraud. Even retail stores can be a problem. Use a credit card or a debit card with chip technology. It’s safer than swiping.

Be especially careful at tourist locations, festivals, and pop-up events. The Federal Trade Commission reported that in 2022, online shopping scams were the second most common type of scams. Over half of American consumers prefer shopping online than in stores. Instagram and Facebook have become dangerous. Scams are increasing, so use PayPal when possible or an encrypted payment option to avoid keying in your data. If you discover suspicious activity on your debit card, act quickly. Lock it through a banking app or call your bank or credit union. You only have two days to report debit card fraud. Personally, I just don’t carry one. It’s our responsibility to manage the money entrusted to us with care.

And if you’re suffering from troubling credit card debt, Christian Credit Counselors will help. They’ll create a debt management plan just for you. For more information call the Crown Helpline: 800-722-1976 or visit online at