- Sep 3, 2012
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We use only a debit card for online purchases but we do it a little differently. We have a seperate bank account which we keep zero money in with the debit card attached to it. Whenever we need to make an online or over the phone purchase we simply transfer the required amount into the card and then make the purchase,giving us within about 30 seconds a zero balance again.
Even if somebody gets our card or bank account details they can't run up any extra purchase or take money out as it's an empty account with no credit facility. If you try and make a purchase without there being money in the account it's declined so they can't make fraudulent purchases with it.
I do this too. My card that was compromised had never been used online. I also never pay for gas with a card, always cash.