I use a CC and two or three debit cards, all are VISA or MC and have full fraud protection. I pay off the CC every month and get great cash rewards from it when using it to purchase gas, groceries and something else I can't remember. There is no risk of fraud.
Still, I am cautious and do not keep a lot of $$ in checking accounts linked to the debit cards and I have no online banking activated w the bank that holds large sums of my $$. I do have online banking w BofA but I keep minimal $$ in that account.
Credit, managed intelligently, is how wealth is created. You never, ever want to use your own $$ when you can use someone else's. It's all about leverage.
