Right now I use a debit card exclusively. Is there an advantage to using credit cards rather than debit cards in terms of consumer fraud protection? I know some credit cards will refund your money if you get in a dispute with a merchant. Is the same true for debit/check cards? Am I making a mistake by making all my purchases with a check card rather than using a credit card? What are some good cards for someone who plans to pay off their balance every month? Edit: Also, what about charge cards? Where do they fit into the mix?