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The shopping season is here, and the increasing rates and fees on credit cards are forcing customers to switch to other ways of credit including debit card.

And since shoppers are using debit cards more often than credit cards, it is important to use your debit card in the wisest ways possible during the holiday shopping season.

Here are some debit-card tips to help you out:

• Keep in mind that debit-card purchases that are returned or disputed may not be refunded right away. The dispute will have to be resolved first.

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Tagged as: bank, credit card, debit card, fees, fraud, interest rate, liability, online, purchase, refund, shopping, transaction, web browser

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