Credit and debit card uses are on the rise. Both claim that each card is safe to use. But most recent credit card breach at Target tells a different story. A closer comparison of the two still reveals that use of a credit card may hold some advantages over a debit card.

When it comes to protecting the customer, credit card is a better choice. Debit card is directly tied to your checking or savings account. But the credit card is not tied to any of the two and therefore, provides an extra layer of protection for the customer. In the event of a fraud or theft, credit card provides better chance of getting the fraudulent charge reversed. Another advantage of using a credit card instead of a debit card is reward points attached to most credit card purchases. Restoration of contested charges may take less time on credit cards compared to debit cards.

Whether it is a credit or debit card, use extreme caution when using your card at gas pumps and freestanding outdoor ATMs. They are known to carry unauthorized skimming devices that collect personal data from cards and use for fraud.