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"It's important that consumers understand the difference between a debit card and a credit card," says John Breyault, vice president of public policy, telecommunications and fraud for the National Consumers League.Sign up for free to find a farmer, rancher, cowboy, cowgirl or animal lover here at , an online dating site meant for down to earth folks only.The 20 best online dating websites - The Telegraph Struggling with which free dating site will help you find love or a little somethin' somethin'? Dating online can be a strange and intimidating process for some people, especially if you are new to the scene.Since the debit card links directly to a checking account, "you have potential vulnerability" if you have problems with a purchase or the card number gets hijacked.For the same reason, Linda Foley, who founded the Identity Theft Resource Center in 1999, suggests not using your debit card for phone orders.With a big-ticket item, paying with a credit card is smarter, says Chi Chi Wu, staff attorney with the National Consumer Law Center. A credit card offers dispute rights if something goes wrong with the merchandise or the purchase.
"With a debit card, you have fewer protections," she says.
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In addition, some credit card benefits include extended warrantees. Otherwise, you also risk paying some high-ticket interest.