Pay with your phone, not your credit card, whenever you can

Apps such as Apple Pay and Google Pay aren’t just more convenient than carrying around a bunch of credit or debit cards, they’re also more secure. If you use a card to pay for an in-person transaction, you could fall victim to a type of cybercrime called credit card skimming. By comparison, paying with your phone attaches a single-use code to your credit or debit card number that can’t ever be used again. This means the numbers on these cards can’t be read by credit card skimming devices.