Dear Editor:Re: "A New Look at Debit Cards and Credit Cards," 5/24/12) This is not the whole story. Federal law protects you if you need to dispute charges on a credit card. The Fair Credit Billing Act allows 60 days to file a complaint and if the credit institute thinks it's valid, then there is a good chance of getting your money back. It is also true that you could lose all your money if you use your debit card but my credit union extends the same privilege to my debit card; I use it like a credit card, that is, sign my name instead of punching in the PIN. So I use my debit card but always choose the credit option when paying, and enjoy the best of both worlds. Kevin Myers Downey

********** Published: May 31, 2012 - Volume 11 - Issue 07