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Money Girl

Is Your Bank Account at Risk? 10 Dangerous Places to Never Use a Debit Card

Money Girl

Macmillan Holdings, LLC

Entrepreneurship, Education, Investing, Business, How To

4.61.8K Ratings

🗓️ 20 February 2026

⏱️ 13 minutes

🧾️ Download transcript

Summary

997. A single swipe could drain your checking account. Laura Adams reveals 10 dangerous situations where using a debit card exposes you to unlimited liability and how to protect your hard-earned cash from cybercriminals and skimmers.

Find a transcript here. 

Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.

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Money Girl is a part of Quick and Dirty Tips.

Links:

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Transcript

Click on a timestamp to play from that location

0:00.0

Imagine that you're standing in line at the grocery store.

0:08.9

You swipe your debit card to check out, and the machine says you've been declined.

0:14.8

You thought there was more than enough money in your checking account.

0:18.5

But when you check your banking app, you see a zero dollar balance.

0:24.9

You don't know it yet, but a thief across the globe is responsible for draining your bank account.

0:32.0

While it's true that using a debit card can be an excellent way to avoid debt if you're unable to use credit cards

0:38.8

wisely. They also come with risks. In today's Finance Friday edition of the show, I'll review

0:44.0

10 dangerous places to use a debit card so you understand where your finances may be vulnerable.

0:52.1

Today's topic was inspired by my terrific editor, Holly. She didn't actually

0:57.4

ask a question, but she was surprised that in episode 996 called Wallet Audit 9 items to

1:05.0

remove now, I mentioned that I'm generally not a fan of using debit cards. So I wanted to give you and Holly more information as a follow-up to that show.

1:15.8

Thanks for joining me, everyone.

1:17.4

I'm Laura Adams, an award-winning author, on-camera spokesperson,

1:21.6

money speaker, and founder of the MoneyStack.

1:24.5

That's my substack newsletter.

1:26.9

You can learn more and sign up for the money stack

1:29.2

at laura d adams.com. Also, as we approach the 1,000th episode of Money Girl, I'm working on a special

1:37.4

show to celebrate this milestone. I want to invite you to participate by giving me a message.

1:43.7

You can call 302-364-0308 and just leave a short

1:50.1

comment or question or even maybe your favorite money tip that you've learned on the show.

1:54.7

I look forward to hearing you and highlighting your calls. All right, let's briefly talk about the differences between debit and

2:02.7

credit cards. Most of you are aware of this, but even though debit and credit cards look alike,

...

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