I'm a big fan of using a credit card as a protective layer between my bank account and the world. I never ever use the debit card feature of my bank card, and if possible I have the bank disable it or at least warn me if it's used for anything. As many purchases as possible go through the credit card.

Pros:

• i never have to wait for the money from fraudulent charges to be returned. it never left my bank account.
  
• i get cash back or points on my credit card and can actually MAKE money on this arrangement

Cons:

• it requires a bit of financial responsibility to not buy more than you can afford, and to remember to pay the full amount every month, or it gets REALLY expensive really fast