CC's are pretty safe. Most have fraud protection, and fraud happened to me once years ago, but a phone call got it straight. I live by state line, and BOA on the other hand, has blocked my card because I purchased stuff in two different states within an hour. Embarrassing, but I like they're paying attention. Then I get a phone text to confirm the purchase. This week ordered parts from 2 places and they blocked the second sale. A text and stuff is on it's way. Just don't use debit linked to an account.