Why should I consider using my credit card less? In short, to avoid overspending. When you use a debit card you're using money that you already have -- you are living within your means.

Skimmers are devices that are illegally installed on ATMs, gas pumps, and any other point-of-sale terminals to capture debit and credit card information and record PINs.

There are things to look out for so you don't fall victim to a credit- or debit-card skimmer. And even if you can't spot it, ...