You need to get over the Debit card fears and get one but know how to protect it. For maximum safety, only use it at your own Bank's ATM, and be sure no one has attached a stick-on skimmer to the outside each time. With this approach, you'll likely never have any issues. I used a Debit card exclusively for all purchases for many years with no issues. Then, it got frauded out 3x in one year. I got a new Debit card and started only using it at my Bank's ATM. ALL other purchases go on American Express and paid for each month in full. American Express security is far more advanced that all these other bank cards. I have never had American Express card frauded out on me. I'll stick with this plan until I have any issues again. The added benefit is American Express gives me cashback which I use to apply to paying off statements in full from time to time. Now, that does not happen with Debit Cards or Cash!
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