I don't use a debit card. The safest thing is a credit card because you're using the bank's money. If someone accesses your information, they are stealing the bank's money, not yours.

Money is a poor man's credit card.

Credit card interest payments are the dumbest money of all.

I try to use my debit card rather than a credit card, but I will use a credit card for big purchases because I bank with Coutts and I get points.

It's really frustrating when you're an identity-theft victim, and you go to the police and you say, 'This guy in Florida, he stole my name and got a credit card - this is his address,' and they say, 'We don't have jurisdiction in Florida. You need to go to the FBI.'

If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card.