So what do you use - credit card or debit card. if you use any?

@tallpowerhouseblonde one of the reasons I use CC as well. Tougher once someone has my money out of my account. I know the bank will back it, but I'd rather have them back the funny money as it's there money and they have a vested interest in getting it resolved quicker. Plus I use the bank for all the rewards. I typically get 3-4 free flights a year out of them.

@adventureseeker1971 I like that you are financially astute.Better to avoid the problem than have to ask for the money back.

@tallpowerhouseblonde I think that most fear credit cards because they can't control spending and thus use what they know they have available. I haven't had a interest payment in 10 years or more.

@adventureseeker1971 I have never paid interest on my credit card.Its also the only card I will use for online shopping.