Other shoppers mention not having any problem with credit card or debit card charges. Future travel. PayPal offers their own debit card that you can order and use. 5, 6. It can still be a good ideal to use a debit card when you want to limit your debt. Most credit card companies will give you 30 to 60 days to report fraudulent activity on your card. The Bottom Line on Debit Cards as Credit Cards. You can tell if your debit card will allow this option if it has the Visa or Master Card logo on it. Can I use my debit card as credit? Book your travel with a debit card, and “they debit it immediately,” says Foley. The charge will be processed using the debit or credit card you entered into your digital wallet. In order to view products on Wish, you'll need to make an account. You're probably hesitant to type your credit card information on a website that sells a leather watch for $1. 8. Instead, use a credit card. One Wish app reviewer stated they loved the app and that anytime there was a problem, he was immediately refunded. This means inputting your full name and email. Tap or click here to see how to set up mobile payments … Most card readers will give you the option of running your debit card as a credit card, making the need for a pin code authentication meaningless. Sometimes that amount is a lot more than a dollar and the hold lasts more than a few hours. The truth is that Wish is just about as safe as any other online retailer. That scenario could cause you to overdraft the account. The truth is, if your debit card is backed by a credit giant like Visa or Mastercard (and you use it like a credit card when you make a purchase), you have the exact same protections as a credit card. 3. Paying at the pump – When you swipe your debit card at the gas pump, the station usually puts a $1 hold on your account to validate the account. With PayPal, you can request a PayPal debit card to use for purchasing your online items. It can still be a good ideal to use a debit card when you want to limit your debt. So if you don’t keep a cash buffer in your account, “to protect yourself from over-limit fees, you may want to think about using a credit card” for recurring payments, Breyault says. Bottom line: Using your debit card is just as safe as using a credit card. Some consumers choose to use only credit cards online, because a fraudulent credit card transaction takes more time for your … Consider avoiding debit card use online . If a thief gains access to your mobile payment information, it's better for your credit card to be at risk than your debit card. It's simple: Every time you use one, you put your money and your bank account at risk. One specifically mentioned “getting fraudulent charges” on their credit card after using the Wish app. I use one for practically all of my purchases, even when I'm traveling abroad. 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