1. How to pay
Use a credit card rather than a debit card. Credit card payments can be withheld if there's a dispute with a store, and if the card is stolen, you won't have to pay more than $50 of fraudulent charges. But with a debit card, you can't withhold paymentsthe store is paid directly from your bank account. And if your card is stolen, you could be liable for up to $500, depending on when you report it.