Why should you use a credit card instead of a debit card for online shopping?

• A. Debit cards provide the same protections as credit cards.
• B. For better safety and protection in online commerce.
• C. Credit cards always have lower fees than debit cards.
• D. Debit cards cannot be used for international purchases.

Answer: (B)

Using a credit card for online shopping provides stronger protections and safeguards in online transactions. If there’s an unauthorized charge or a merchant doesn’t deliver, credit card issuers offer robust dispute and chargeback options, often with limited or zero liability for you. This means you can contest the payment more easily and avoid paying for something you didn’t receive. Debit cards, which draw funds directly from your bank account, expose you to quicker financial impact from fraud and the protection available can vary by bank and situation, sometimes making recovery slower or more uncertain. In addition, many credit cards include purchase protection and extended warranties, benefits that aren’t always available with debit cards. For these reasons, choosing a credit card generally offers better safety and protection in online commerce.