I only use my credit card when buying things, especially online. It is much easier to dispute if there is a problem and someone can't clear out my bank account. I don't use my debit card any more except at the ATM. I write the charged amount in my check register as I spend so that I can pay the full balance every month. Balancing my account is a little more difficult, but not bad. I just got a notification that I have reached my 12 year anniversary with ebay, and I think I set up my paypal account at the same time. I have never had a problem that was not easily remedied.