Tis the season….so thought I’d pass along the following shopping tip from a recent MSN Money article I read.

“If bogus charges were made on your credit card, you’re not liable for them while they’re being investigated. But banks can take up to two weeks before restoring debit card funds to your account. Plus victims could be liable for up to $500 in losses if they wait more than three days to report a problem or far more if they wait longer; credit cards cap losses at $50.

To be truly safe, “never use debit cards,” says Paul Stephens, a director at the Privacy Rights Clearinghouse, a consumer group.”