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Best Charge Cards American Express is the largest provider of personal charge cards.

It can take days for your bank to replace your cash. Finally, did you know that you may be responsible for fraudulent PIN-based transactions on your debit card?

If somebody steals your PIN and debit card, they can totally clean out your account.

This site may be compensated through the American Express Affiliate Program.

Money Under 30 has everything you need to know about money, written by real people who've been there.

Charge cards may seem like a relic of the past, but people who use them know what they’re doing—they’re safer than debit cards without the debt danger of credit cards.###As the disclaimer below suggests, I’m a member of the Amex affiliate program, meaning I earn revenue for referring new cardmembers.I do NOT, however, recommend every credit card or product that makes me such an offer…I have used and personally recommend charge cards for what they are, but in making your decision, want you to know all the facts!