盡量避免使用Debit card. Credit card 最多損失$50.

Liability for lost or stolen cards. Credit cards still offer much greater protection in most cases for those whose cards are lost or stolen. As long as the customer reports the loss or theft in a timely manner, his/her maximum liability for purchases made after the card disappeared is $50. The Electronic Funds Transfer Act gives debit card customers the same protection from loss or theft – but only if the customer reports it within 48 hours of discovery. After 48 hours, the customer’s liability rises to $500; after 60 days there is no limit.
 

http://www.investopedia.com/articles/personal-finance/050214/credit-vs-debit-cards-which-better.asp