The usage of ATM cards, additionally known as Debit cards is one thing that ought not be taken lightly. If thieves or fraudsters get access to your account due to incorrect utilization of ATM card, you can honestly lose lots. With credit cards, customers who spot fraudulent fees on their bill can sincerely decline the fees and not pay the invoice. alternatively, debit cards take money without delay from your checking account, instead of from an middleman consisting of a credit card enterprise.Where are some locations that are specially risky?1. Online\u201cYou don\u2019t use a debit card online,\u201d says Susan Tiffany, director of consumer periodicals for the Credit Union National Association. Since the debit card links directly to a checking account, \u201cyou have potential vulnerability there,\u201d she says. Especially on websites that have doubtful security.2. Restaurants\u201cTo me, it\u2019s dangerous,\u201d says Gary Foreman, editor of the frugality minded website The Dollar Stretcher. \u201cYou have so many people around.\u201d So watch the restaurants where you pay.\u201cAnecdotally, the cases that I\u2019m hearing of credit or debit information being stolen, as often as not, it\u2019s in a restaurant,\u201d he says.The danger: Restaurants are one of the few places where you have to let cards leave your sight when you use them. But others think that avoiding such situations is not workable.3. Checkouts or ATMs that look \u2018off\u2019Criminals are getting better with skimmers and planting them in places you\u2019d never suspect \u2014 like ATM machines on bank property, says Foley.So take a good look at the machine or card reader the next time you use an ATM, she advises. Does the machine fit together well or does something look off, different or like it doesn\u2019t quite belong? Says Foley, \u201cMake sure it doesn\u2019t look like it\u2019s been tampered with.\u201d4. Buy now, take delivery laterBuying now but taking delivery days or weeks from now? A credit card offers dispute rights that a debit card typically does not.\u201cIt may be an outfit you\u2019re familiar with and trust, but something might go wrong,\u201d says Breyault, \u201cand you need protection.\u201d5. Lonely ATMsYou run the risk of skimmers. While skimmers can be found on bank ATMs, they\u2019re less likely because there are often security cameras in place.