I have found through experience that although you have the security of a not having to pay until you read the bill and are protected over $50, people I know that have had credit cards stolen find that it is in fact a lot harder than it sounds to recover. A friend was once declined from getting another credit card because he had details stolen in the past, this wasn’t said but this was the only blip he had on his credit record. Now personally, As a student with a pretty small credit record I don’t want to risk a potential morgage or credit card because of potential insurance risks to the credit card company. I would rather risk losing the money in my debit card, which at the amount I’m talking are also covered by the bank (when reported within 2 days). It is not advice I would give to anyone else, it’s just my point of view and this was kind of an opinion piece anyway. I’m no expert when it comes to security.