GREENSBORO, N.C. -- Cash used to be king, but in our digital world cards are taking over.

A U.S. Bank study found only 50% of people carry cash. And of those who had cash, they carried only $20-$50.

The Better Business Bureau said paying with cash is the more surefire way to safeguard your account from fraudulent purchases. If you do choose to use a card, credit is the better option.

“Your debit card links to your bank account so if someone starts siphoning out and stealing your money that can really have a domino effect. Think about all the things that can happen… because your bank account is suddenly down to zero,” Lechelle Yates with the BBB serving Central NC said.

If you have a fraudulent charge on your credit card, the credit card company is going to work hard to get that back because that’s essentially their money that was taken.

“The other issue with debit cards is that it can take up to two weeks after you report the fraud for your bank to go through and do all the checks and actually give you your money back,” Yates said.

Yates recommends you check your account every few days online using a secure connection to keep an eye out for any suspicious activity.