Debit cards feel like a safer choice than credit cards. You won’t rack up interest with a debit card, and the money comes out of your account right away. We love these debit card features, but we also know that debit cards aren’t perfect. Here are some potential problems with relying heavily on a debit card: Here are 8 smart ways. Remember, when you know how to use debit card online safely, fraudsters are going to have a tough time. Keep Your PIN a Secret Your PIN is a A bit of planning can help you avoid fees and keep your debit card safely in your wallet. Watch for skimming devices. You swipe your card so many times a day that it becomes a mindless activity. Change this. Cyberthieves insert skimming devices into ATMs, gas pumps, and other point-of-sale devices to scan your debit card information as you swipe.