A little tip I learned from listening to Clark Howard. Use a credit card to pay for all monthly expenses and pay it off every month. Credit card users are only responsible for up to $50 for unauthorized purchases. Use a debit card and there is no limit to the amount you would owe if used fraudulently. And with the right credit card, you’ll also get cash BACK every month.

A little tip I learned from listening to Clark Howard. Use a credit card to pay for all monthly purchases and pay it off every month. Credit card users are only responsible for up to $50 for unauthorized purchases. Use a debit card and there is no limit to the amount you would owe if used fraudulently. And with the right credit card, you’ll also get cash BACK every month.