In a recent post, cyber security expert Brian Krebs said:
“Here’s another basic takeaway for any consumers still reading: Use a credit card and kick debit cards to the curb. If a thief makes a charge on your credit card that you didn’t authorize, a simple phone call can fix the problem. If the crooks manage to siphon all cash from your checking account, that’s a bigger problem that could take several days to sort out with the bank (and longer if you count any other businesses you may have just paid with a check).”
US merchants are slow on the chip uptake, putting consumers at risk. I make it a point to seek out merchants that actively use the chip, and I prefer a credit card over a debit card.