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I know a credit card offers perks that a debit card doesn’t. But is a credit card really that much safer than a debit card?

I just used my credit card to buy some supplies at OfficeMax and they didn’t ask to see any ID or to enter a PIN. Whenever I buy something with my debit card, though, I have to enter my PIN.

So wouldn’t a debit card be as safe or safer than a credit card?

Wealthtender HQ Changed status to publish October 20, 2025