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Check cards are too open to fraud and resulting hassle. If it takes you awhile to discover that your check card is being used without your knowledge, you bank may not be liable for any of the money that's been stolen from you.

I can't deny that thought has crossed my mind. I called my CU a while back and asked what happens in case of unauthorized charges and they said I would have no liability...but verbal confirmations are about as valuable as the air used to speak them. 'Tis time for me to read some more about identity theft and get more informed about others' check card experiences.

I have two credit cards, one with a small balance (<$100) and the other with a big balance that we don't use. Maybe once I get out of the revolving game with the small one I'll start using it instead of the check card. Thanks for the advice, jthrelkeld. :)

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