Did you realize that almost half of us have fallen victim to credit card breach in the last year?

A lot of that happened because of the hacking that happened to Target, Michaels Stores, eBay or other retailers. If you think using a debit card is the solution you may want to think again.

While debit cards don't hit you with high fees, they are much riskier than credit cards because they provide a door into your bank account. Thieves are installing card skimmers in more and more places, and if they skim your number, they get your money, immediately. Not good.

Bankrate.com says these are the places you should not use your debit card:

  1. Free standing ATMs, that are not part of a bank: there's too much risk of a skimmer installed on it.
  2. Gas pumps: which are also easy targets for thieves with skimmers.
  3. Restaurants where the server takes your card from you
  4. Online shopping where you can't be sure who may have access to your card

I know none of this is good news..but now you know. Remember if your debit card is breached thieves can take your money out quickly. It will take you months to get it back. In the meantime...you know the rest.

Be careful.