I do the same, but I just take the cash back. Debt cards allow vendors (and thieves) direct access to your cash. Credit cards give you a buffer. You can contest any fraudulent charges and not have your savings stolen in the process.

 

Things have changed...
Most financial institutions will make things right even on a debit card (actually a credit card, just comes directly out of your account).

I had bogus charges on my debit card.......
Contacted the financial institution and they immediately closed the card, deposited the amount in dispute into my account, and sent out a replacement card within 48 hours.

 

I'd still rather keep my bank account as secure as I can. Thieves are installing magnetic strip readers everywhere. RFID is even worse. I'd just rather not deal with trying to get my money back. Small sums are one thing, but if they take all you have the bank may not be so easy to work with. You may not know it's all gone til you need it. Not a spot I want to be in. Let the credit card companies fight to theirs back. They have more resources to do it and they don't feel the pain as much as I would.

 

I have gotten my money back from Capital One when Paypal wouldn't.
I always thought Paypal guaranteed sales, however, They only guarantee SOME stuff. SO, even on my paypal i use a credit card backup instead of a bank account number. You cant be too cautious today with all the internet scams going on.
Capital One is the bomb for security ( no affiliation at all)..
Just have great service.