Your debit card is likely the most convenient tool in your wallet. It grants you instant access to your cash, helps you avoid debt, and works almost everywhere. But that direct link to your checking account is exactly what makes it dangerous.
When a criminal steals your credit card information, they are spending the bank’s money. When they steal your debit card information, they are spending your money. According to a 2025 report by FICO, debit card compromises at ATMs and point-of-sale terminals remain a persistent threat, with over 231,000 cards compromised in the U.S. alone during the previous year.
Beyond fraud, using a debit card in the wrong place can tie up your actual cash with “holds” that last for days, potentially causing overdrafts or leaving you unable to pay other bills. To protect your hard-earned money, you need to know where to swipe and where to think twice.
The CARD PREMIUM BANK ACCOUNT I HAD OPEN SINCE 2023 HAD MY RETIREMENT two FUNDS DEPSITED EVERY MONTH> I HAD an incident FEW years even before the Card account where when I applied for my TSA pass The agent left his lap top in the back seat of his car. Theieves brke into his car stole his lap top sold all my TSA information on the Dark webb. I filedpolice report all three credit bureas. but card has never told me there rerason for a denial of 805.13 wiping out my account they first reimbused me then I filed a dispute form talked to them on phone several times They have yet to giveme a reason for the denial. I then taked to the person assigned to me to protect all the fraud they tell him my account was used illegally in 2025 then the 805.13 they credited me they took back becaise of a 2025 so called incident. So because some criminal used my account they are okay for a charge of 805.13 charge to a China calling iktself OCOXTECH HONG KONG That amount just was about all tghe money I had in there clearly a case of Fraud 1) i never buy from China and in the three years nevr ever had a charge for over 800 to any company let alone in China They punish the victim here wehich is so wrong