Gay,

I'm afraid to answer as I seem to be getting on some peoples nerves.

So to the stay on topic I will say that I think the thread has done a good job of covering the issue and that personally I don't worry too much about credit card fraud. Yes check for and report charges you didn't make, but why worry as it is the credit card company that will be forced to take the loss not you.

However, I do and would avoid using debit cards altogether or at least overseas or over the internet where fraud might be more prevalent. It is too easy for someone to steal your number and drain your checking or savings account. And you will take the loss unlike with a normal credit card.