Indeed it is Paul.

While debit card issuers generally offer more protection than they did in the past, policies vary substantially. Your issuer should have provided you with a written statement explaining their policies. If you do not have this, you should contact your bank to find out exactly what protection you have and what you are liable for in cases fraud.

By contrast, credit card protection tends to be both stronger and more uniform. This is partly because the law requires that credit card users are generally not liable for more than the first $50 taken through fraud. As a practical matter, virtually all card issuers cover that $50 as well.

The basic functionality difference between debit and credit cards also protects credit card users better than debit card users. Credit cards allow us to borrow money from the credit card issuer. By contrast, debit cards enable us to use our own money in our own bank accounts. Thus credit cards put creditor money at risk from fraud, while debit cards put our own money at risk. When creditor money is fraudulently tapped from our credit cards, we will face some hassle: replacing the card, perhaps getting a charge or two denied, perhaps an overlimit fee that needs reversing. But if out own money is so tapped, it can send checks and auto-debits bouncing right and left, causing a situation that can be far more difficult to remedy.

Bottom line: a debit card is significantly more vulnerable to fraud than a credit card. That's just one reason why using a credit card is preferable--provided that the user has the financial discipline to pay off the balance in full each month.