Mind=blown at people who still use a debit card on a regular basis

[eljobber]

Da fuq? Why would you use a debit card when it pays to use a credit card for every purchase?

Credit card pros-

Rewards programs. You can make the normal purchases you make while reaping the benefits of the card reward program. I pay my bill off IN full every month. I even pay my rent with my credit card.

Consumer protection: If there is a fraudulent charge, you are federally protected against that charge. You do not get that protection if somebody uses your debit card. If you dispute a charge, you automatically get refunded, and the bank makes the seller prove they sent you a item in good condition. Some banks will cover you on debit card purchases, but all banks are required by federal law to protect consumer rights.

As long as you have fiscal discipline and pay your bill in full every month, you are golden. Debit cards are good in case of an emergency.

[Eugene18]

its all about the cash

[Dan916]

Because even the most responsible people **** up eventually. They offer you credit for a reason, banks aren't stupid. Most people plan to be fiscally responsible with a CC, and last I looked like half this population is in debt.

my dad is an auditor and even he messed up a payment or two.

Debit plays it safe, its basically cash. downside is no credit rating lols.

[mariusjacobsen]

Agree with op. Keeping track isnt that hard. Brb, free hotel stays, free flights, etc

[2813308004]

i have no idea how CCs work, do you have to pay interest on money spent, even if paid on time?

[Ascendency]

I use debit card all the time and my bank used to call me all the time to verify some purchases from fraudelent

they block my card and call me, sometimes i need to use it but i cant until i call them which was annoying. But it just shows that it is still safe to use debit card, at least in my bank, no issues or whatsoever so far.

[eljobber]

i have no idea how CCs work, do you have to pay interest on money spent, even if paid on time?

Most you do not. I have three credit cards, an Amex, Visa and MC. As long as I pay my balance in full every month, there is no interest. For example, I have an AMEX card I use at Costco, which I get 2% in rewards back at the end of the year. It is better for me to use a credit card then pay cash or debit.

[DavidJr74]

i have no idea how CCs work, do you have to pay interest on money spent, even if paid on time?

No interest needed to be paid if you pay on time.

[aKnowledge]

Dont get benefits from my CC. Dont have a job, so I can't get a new CC with benefits. fuk life

[SuburbanLegend]

That's why I use autopay. I can forget and check my statement a week late and it can't hurt me.

[maz621]

What if your credit is ****ed?

[2813308004]

Most you do not. I have three credit cards, an Amex, Visa and MC. As long as I pay my balance in full every month, there is no interest. For example, I have an AMEX card I use at Costco, which I get 2% in rewards back at the end of the year. It is better for me to use a credit card then pay cash or debit.

No interest needed to be paid if you pay on time.

what the fuq am i still using a debit card for

this atrocity ends tomorrow!

[eljobber]

What if your credit is ****ed?

If your credit is fubar, that is more than likely your own doing.

what the fuq am i still using a debit card for

srs do not know. If you go to bankrate.com, you can look up different credit card options out there, their rewards, terms and conditions, and apply if you find one. Check it out. You can also check out CD rates from different banks, and mortgage rates.

[spc9669]

I use credit for everything too OP, and yes it makes WAY more sense. And I carry a 0 balance.

[Two4OH]

I always use my CC but my debit card also has a reward program

[damlurker]

never owned a credit card.. might get one next year.. lol

[habeansha]

my CC doesnt work at the ATM machine...

[Gsxr25]

Probably get around $75 cash every month from my CC. Thanks *******s.

[olympicsbrah123]

i don't like to spend more than i have

[maz621]

If your credit is fubar, that is more than likely your own doing.

That's not the point. That's just a situation where using a debit card shouldn't blow your mind.

[mrcolorblind]

credit only for larger purchases, not worth the 10 dollars on a meal.

[eljobber]

That's not the point. That's just a situation where using a debit card shouldn't blow your mind.

If your credit is phucked, fix it, and come join the elite who use their credit cards properly.

[The_Assassin]

what are realistic rewards i can expect?

[iknowdatfeel]

I use my debit card.

I only use my credit card to build my credit score. After I reach a certain limit I usually pay some of it back and then leave the debt to build my credit. Then I just store my credit card and pay slightly above minimum. Debit card is Visa so it has the same protection retard.

[TexasMajor]

Which cards offer the best rewards?

[1800_Cool_Guy]

Credit Card only crew checking in


Use CCs on all my purchases. Have accumulated almost 500 bucks in rewards for one card. I applied it back as a payment for the cc. U mad?

[Gsxr25]

Which cards offer the best rewards?

Typically discover, but there are a ton that are good. Also they run a lot of deals when you get a new card, such as free $300 after you spend $1000 in the first 3 months. etc.

[Archangel_Lost]

i'd rather not jump through hoops in adding another step in paying for something just for some ****ty reward program

[eljobber]

what are realistic rewards i can expect?

Which cards offer the best rewards?

Go to bankrate.com. Click on credit cards at the top and you can search through the rewards. Right now I am about to claim $250 dollars straight cash from my Mastercard rewards.

[DeathUponUs]

never owned a credit card.. might get one next year.. lol

you say the same about girls right?