Even if you’re the type that eschews credit cards on philosophical or financial grounds, if you do any online shopping at all, a credit card is still safer than using a debit card.

Think about this: fraud exists; more than ever lately, we’ve seen how bad people can break into networks and steal card credentials. If you use a debit card on a website that gets hacked, the thieves now have a direct link to your bank account.

And while most financial institutions offer debit cards with zero liability for fraud, what do you do for cash while you wait for the dispute to be resolved? Your whole account could be tied up for weeks (and you won’t have a debit card for everyday, non-online purchases).

Credit cards eliminate that, and their fraud resolution procedures are usually faster.

Of course, some people don’t like credit cards because of the revolving debt trap, but it just takes self-discipline: make your purchase online with a credit card, then pay it off as soon as the charges show up. You just can’t spend more than you can afford to pay in cash, which is how your debit card would have worked anyway, right?