BANGALORE: Cards are all the same whether it is a debit or credit card! Do you feel the same? If so then this is a misconception that you need to change. Debit cards though look similar to credit cards are extremely different. People consider debit cards as a popular alternative to credit cards because as they only allow you to spend what you have in your account. But these convenient looking debit cards can be sometimes dangerous for your wallet as debit cards draw money directly from your checking account rather than from an intermediary such as a credit card company.

Let’s have a look at the list of places where you should not use your debit cards:

1. Online shopping or hot spots: How to pay cash online? Yes it is true that you cannot pay cash online but you can pay the amount through your credit cards instead of a debit card. By using credit cards the fraud protections are better and also a hacker cannot overdraft your bank account. If you are scared using credit cards often then you can also check with your bank to see if it offers one-time credit card numbers for online shopping. Since each number only works once, but it is safer than using a debit card. Also beware while using your debit card for an online purchase while at a coffee shop or other places that offers free Wi-Fi access. Many of those places have unsecured wireless connections, so it's much easier for the hackers to log on and steal your data.