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Thieves love debit
cards, so keep them safe — here's how
To protect yourself from identity theft, hold
your credit cards close, and your debit cards
closer.
Armed with the right information, thieves can use your
debit card to make fraudulent charges or withdraw
money from your bank account. You may not know you've
been victimized until your mortgage check bounces.
Cleaning up the mess could take months
Debit cards have soared in popularity in recent
years (see box). Most retailers accept them. And
unlike credit cards, debit cards withdraw money
from your bank account, eliminating the temptation
to spend money you don't have.
Still, debit cards don't carry the same legal
protections as credit cards. The federal Truth
in Lending Act limits your liability for
fraudulent credit card charges to $50. Most credit
card lenders won't even make you pay that.
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