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If possible, aim to do your shopping with credit cards rather than a debit card. The reason is if a hacker is able to break into your bank account, he won't be capable of do all the damage with a charge card because he could with a debit card. Atm cards link to banking accounts therefore, the hacker can literally drain your entire earnings. Bank cards will not be, and due to Fair Credit Billing Act, a holder's fraud liability is only $50. Therefore, you likely will not likely lose just as much money. .