If anyone gets into my bank account there is only a few pound in it. If you use a debit card for everything, your bank balance will rarely reflect your true position because recent transactions haven’t yet hit your account. Im using norton anti-virus software with windows vista incase … My daughter’s PayPal account was hacked into and purchases made charged to a debit card. It’s a good idea to be careful with your card and card details when you use it at a cash machine, in a restaurant or a shop. I know the Banks will sort you out if it is a “legitimate” fraud but how are you going to manage in the meantime? I wonder if this helps people at all. This is due to the fact that debit cards aren’t automatically covered by payment protection insurance. If you don't get what you thought you were buying, it may not be fraud. don't have a credit card, but theres some stuff i'd like to buy. 1. I normally pay by credit card unless there is a surcharge, in which case I use a debit card, online payment, cheque – or cash for small amounts. Use credit instead of debit card whenever possible. Firstly it rarely works properly and secondly there is no way to verify that the embedded screen is actually from your bank. Link opens in a new tab. Your bank hold no further liability with your debit card… It is actually safer than the regular offline payments that you make -- these too you should not make with a debit card -- but there is something called planning for contingency. a statement is received at the end of the month and if necessary pop into the bank for an up todate staement.no more than £ 300 is kept on the card for safety. Favourite answer. Let’s start with the debit card. We can then guide you on what to do next. As much as you might resist it, debit cards should not be used to pay for online transactions; a credit card is always safer for e-commerce. Online security has come a long way over the last 10 years. Because of bad press about PayPal (that is why I stopped using them) they pop up even un-invited! I prefer to pay my credit card bill online with a debit card – just keeps control over the payment. Learn more about checking payments and seller disputes here: I don’t recognise a payment on my credit card, I don’t recognise a payment on my debit card. Maybe a hundred or less. That doesn’t mean things can’t happen because they can. Service Status: The current lockdown means our branch opening hours have changed. We use cookies to allow us and selected partners to improve your experience and our advertising. By commenting you agree to our terms & conditions and community guidelines. I have sent goods back before, more than once, and the money has not been forthcoming. “I recognize debit cards help with budgeting, but their fraud protections aren’t as strong,” says John Ulzheimer , president of the Ulzheimer … It may sound counterintuitive but it is actually a better idea to use credit card to pay online rather than debit card. I strongly advise paying credit card bills in full by Direct Debit if you can afford to do this. 2065. … If you’re worried about overspending, set up a budget. Your debit card makes it easy to use your checking account, and debit cards are accepted almost everywhere credit cards are accepted. It will be a long time before I buy on line or use card again. Never let anyone else see your PIN when you use a cash machine or a card reader. Your credit card will refund you as soon as you complain. But that's only if you report the card stolen within two days of discovering the theft. 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