It’s best just to shop as if they’re all (webshops) compromised. With that in mind, if you have the choice between using a credit or debit card, shop with your credit card.Sure, the card associations and your bank are quick to point out that you’re not liable for fraudulent charges that you report in a timely manner, whether it’s debit or a credit card. But this assurance may ring hollow if you wake up one morning to find your checking accounts emptied by card thieves after shopping at a breached merchant with a debit card.
Who pays for the fees levied against you by different merchants when your checks bounce? You do. Does the bank reimburse you when your credit score takes a ding because your mortgage or car payment was late? Don’t hold your breath.