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However, stolen EMC card data could still be used for online sales fraud, because in online use a credit card's chip isn't used.That neuters almost every mainstream credit card's interest charging ability.Provided you stick within the credit limit, and never make ATM withdrawals, it works just like a billed monthly debit card as there is no interest.Fail to pay off the card each month, though, and the interest charge dwarves the gain. Many people still instinctively shy away from this, and consider their debit cards the good guys. Go overdrawn and debit cards incur debt as well, sometimes with higher APRs.Even worse, bust your limit by even a pound for just one day and you may face charges of up to £25.If it is a contactless card, there's a chance it could be read by nearby spying equipment, although the credit card ­industry says that's unlikely. Because the contactless card uses an over-the-air technology called near-field communication (NFC), which is more secure than RFID.

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