Dear Dave,

I use a debit card for all my regular, day-to-day purchases. However, I use a credit card for plane tickets, big ticket items, or when I shop online because someone told me it’s easier to dispute purchases when they’re made with a credit card. Are you putting your chequing account at risk by using a debit card for these types of purchases?

– Wendy

Dear Wendy,

I don’t know who this “someone” is, but they’re a lousy financial adviser. The firm of Someone, They Said, and I Heard? That’s a financial planning company you don’t want to work with.

A debit card has the exact same protections for fraud that a credit card has. It does come out of your chequing account, but the bank has to put it back once you dispute the charge and prove your dispute. It may take a day or two, but they’ll get it done.

I’ve used a debit card for decades, and I haven’t owned a credit card since way back in my dumb-with-money days. I’ve never had any problems using a debit card, and I’m not going to make the mistake of playing around with debt ever again.

I hope you won’t either!

– Dave

• Dave Ramsey is an eight-time national bestselling author, personal finance expert and host of “The Ramsey Show,” heard by more than 18 million listeners. He has appeared on “Good Morning America,” “CBS This Morning,” “Today,” Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people regain control of their money, build wealth, and enhance their lives. He also serves as CEO of Ramsey Solutions.