Edgar,

I'm so disappointed in you. You run a consumer advisory web site and you are advocating the use of a debit card?

http://www.cleveland.com/business/index.ssf/2010/03/security_breaches_underscore_i.html
http://www.cleveland.com/business/index.ssf/2011/01/ask_your_bank_these_tough_ques.html

Edgar replies: Marc, the post is not promoting the use of debit cards, but is pointing out a sneaky practice when I signed up for Target's card. Now, this card happens to have wonderful benefits for people that want free shipping and five percent back. Of course you have to smartly choose and use any plastic in you wallet, debit or credit, knowing the pros and cons of each.