Jay's mother is having issues with her bank, that here ATM card is getting accessed over and over again, even though the bank has reissued the card with a separate number. How can that be and what can he do? Leo says that a smaller bank may have lackluster security. Protections are much better on credit cards, than debit cards. You can only be on the hook for $50 with a credit card. With a debit card, the limits are higher. Always keep possession of your debit card and use a credit card for other options, like online purchases, or eating out. If the bank isn't helpful, it's time to get another bank.