Debit card usage does NOT appear on your credit reports therefore it has no impact on your credit scores. If you shift all your purchases over to a credit card for the fraud protection then keep in mind that the debt reported to the credit bureaus each month by your credit card issuer can have an adverse effect on your scores. So, it's a good idea to weigh the added protection versus the score damage, especially if you're in the market for a new loan.

Some people believe you should charge everything you possibly can on a credit card for the rewards points/cashback and the fraud protection. These folks tend to be younger and therefore are more susceptible to more radical score movement, not a good combination.

My advice is to securely store your debit and credit cards and try to minimize the potential for fraud. Use your credit cards responsibly and try to pay them in full each month.