Credit or debit? Arkansas AG says credit is the best way to go

JONESBORO, AR (KAIT) - Using a credit card instead of debit card to make purchases is the safer option, according to the Arkansas Attorney General's Office.

The 2013 preliminary Thanksgiving weekend shopping survey reported at least 140 million people plan to shop in stores or online beginning Thursday, Nov. 28 to Sun. Dec. 1.

Arkansas Senior Assistant Attorney General Sarah Tacker encourages consumers to use a credit card instead of a debit card when making purchases, especially online.

"Sometimes it's going to benefit you to use a credit card instead of a debit card and that is because a credit card and the credit card company you have a credit card with is going to offer you more fraud protection. Your debit card is just a very convenient way to deduct money out of your checking account."

Tacker also says only purchase online from reliable websites.

"You're going to want to make sure that the retailer you're dealing with, that it's a secure website and you can tell in one of two ways. The URL where the web address is, is going to either be green or it's going to have a little lock icon, and that is going to show you the web site is secure."

She also encourages consumers to check their bank statements regularly and report any suspicious activity to the Consumer Protection Division of the Arkansas Attorney General's Office.

"You're going to send that complaint to us. We're going to communicate with the company within five business days of receiving your complaint. We're going to ask that company to get back with us within in 10 days."

Click here and here for more information about making safe purchases.

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