With reports of security breaches on the rise, bankrate.com says it's time to be extra careful.

Debit cards look like credit cards, but because money is drawn directly from a checking account, they can give thieves direct access to your money.

Outdoor ATMs are among the most dangerous places to use a debit card because thieves can more easily place machines over the real card slots to "skim" information.

It's the same with outdoor gas station payment terminals.