Debit cards are a convenient way to pay for things without carrying a lot of cash around and without piling up credit card debt. However, debit cards can place you more at risk of identity theft and fraud.
Gas stations may also place holds on cards. Worse, though, is that gas stations are notorious locations for skimmers, devices that steal account information from cards. Especially avoid gas stations in dark places late at night.
Hotels often place holds on cards as well to cover damage you might cause or items you might remove. As with other holds, you won’t be able to use those funds but might need them. Plus, if there’s a dispute over the final bill, you have less power to get your money back.
ATMs tucked away in corners of stores or unaffiliated with major banks are prime targets for thieves installing skimmers. If you need to make a cash withdrawal, it’s better to go to a bank and use the ATM there, where there is more security.