So is she strictly cash and checks? Does she use debit card? Another reason to use a credit card is she's protected from fraudulent purchases. If her debit card is compromised, it's very difficult to get your money back.
You know, debit cards also have protection against fraud due to the Electronic Funds Transfer Act. Legally the protection between credit cards and debit cards is different, but both have it and the differences aren't that big. CC has a max liability on fraud charges of $50, debit card it's $500 (but that's if the actual card is stolen and you wait two months to report it). If your debit card number is stolen and you tell the bank within 60 days of the first statement showing a fraudulent charge, you have a liability of $0. Most banks are also quite keen to resolve fraud investigations quickly if reported quickly, because they want to keep accounts instead of losing them to a competitor.
I've had fraudulent charges on my debit cards twice (two different banks, two different instances, two very different scenarios). Literally all you have to do is call the bank, dispute the charge, and call it a day.
The first time, they had the money back in my account within minutes. I got a letter a week later just confirming that it was found as a fraudulent charge. The second time, I had the money back in my account the next day (though the fraud happened on a holiday, so I gave some leeway). Got a letter a week later confirming it was found as a fraudulent charge. Both times, the bank's auto fraud alert texted me as the charge was happening so I could dispute right away.
I've had fraud on a credit card once. It took over a month for them to remove the charges and associated interest, and I had to keep calling to follow-up on a weekly basis. It was much more of a pain in the ass than dealing with the bank.
- Shad0WeN likes this