 TITLE: 5 Ways Gen Z Is Putting Itself at Risk for Identity Theft CONTENT: 2\\. Using a Debit Card for Online Transactions\n----------------------------------------------\nWhether you're shopping or upgrading some in-game equipment, there's a good chance you're spending money online. But are you doing all you can to ensure your information is protected as you buy?\nOne thing you want to watch out for is using your debit card to make these purchases. A debit card puts your own money on the line since purchases typically come directly out of your checking account, and it can take weeks to get your money back if your account is compromised. The last thing you need is your debit card information out there and on the dark web, available to the highest bidder.\n**How to reduce your risk:** A credit card may be a better choice, since the purchase isn't taken directly out of your bank account. And if you suspect fraud on a purchase, you can contact your credit card issuer to initiate a chargeback, which could help you avoid paying for the purchase at all. Also, with a credit card, the scammer won't have access to your bank account information—you can simply cancel the card and get a replacement from the card issuer if your information is compromised.\nAs a parent, it's important to understand what your children are spending money on, and set clear limits with them. Let them know they need your permission before they make purchases, and limit which apps and websites have access to your payment information.\nParents can limit online purchases to one credit card option to more closely monitor what's being spent. If your child wants to make an online purchase with your credit card, enter the information so you can see exactly which websites have your card information.\nBut what if you're not comfortable with a credit card, either? The good news is that you have an alternative. Many websites sell gift cards in brick-and-mortar stores. Head over to the local grocery and buy a gift card, and you're set. No need to share your personal payment information at all (though you will have to provide your address if you're having the purchase sent to your house). END