When they start charging per transaction then I will just have cash in my wallet. I can't rememeber when I first got a debit card but I think it has been over 10 years w/o a charge. It seems to me that banks are so competetive at the present time that it won't happen anytime soon. Thats why you see more and more free checking acccounts offered. If you are going to go with a credit card I read that Credit Unions are the only way to go. They offer the best rates period. I'm not sure what you mean by the credit card being better insured though then a debit card. A couple of years back Gas stations were charging holders a payment until their charge cleared. $50 or so. But you get by that by just pressing credit. That is the only time I have heard a down side to debit cards.
