CONTRARY TO THE ADVICE OF THE ISSUING BANK THE BEST AND MOST SECURE WAY OF USING IS TO ONLY USE THE CHARGE FEATURE. ADDITIONAL WISE PRACTICE IS TO PAY OFF BALANCE AT END OF EACH 30 DAY BILLING CYCLE. If you use the card with the debit feature, the bank does not guarantee against fraud any longer than up to 48 hrs following the item in question. Practically you may not even know that there is an illegal usage if you are unable to access your account daily. Thus after the 48 hour or less cut off time, you will be held responsible, what ever deficiency occurs.