HD is offering credit monitoring and ID Theft insurance free for a year if you used any card in a HD store since this Spring. I applied.
I fought the use of a debit card for a long time and only recently started using one. Now I'm going back to cash. My wife is begrudgingly switching back too.
Carrying cash can also be dangerous. If you're robbed and you lose your cash, it's gone forever. At least with a card, you can call, cancel the card and dispute the charges.
POS waitress skimmed my credit card last year and used the info to buy a gift card at a gas station in Blythe.
I Columbo'd online and on the phone and obtained surveillance footage of the Mexican woman buying the gift card. I supplied the DVD footage to the local PD and to my credit card company. I did not have to pay for the fraudulent charge.