Using your debit card for everything helps you avoid credit card debt, but you miss out on building better credit. And lots of credit cards offer pretty decent cash back rewards.

Anyway, here are three OTHER reasons to stop using your debit card.

1. It’s linked directly to your checking account. So if someone steals your info, they can steal your ACTUAL money. If someone steals your CREDIT card info, you can just refute the charges, and you won’t suddenly be broke.

2. Debit cards don’t offer as much fraud protection. If someone uses your credit card into, there’s a law that says you only have to cover a maximum of $50. If your debit card has a Visa or MasterCard logo, it might be covered too, but not always.

3. It’s easy to lose track of how much money you have in the bank. Most people don’t balance a checkbook anymore, they just check their balance online. But it’s still pretty easy to overspend with a debit card and end up with overdraft charges.

So just use your credit card instead of your debit card, and pay the balance off every month. But obviously, that’s a slippery slope for a lot of people.