Debit Card or Credit Card?

Debit Card - One of many different styles of MasterCard and Visa debit cards that deduct money from your checking or savings account.
@freak369 (4989)
United States
June 25, 2007 9:06pm CST
When you are shopping do you use your debit card or a credit card to pay for purchases? 99% of the time I use my debit card unless it is something that costs more than a couple hundred dollars, then I will use a credit card so if something goes wrong with it I have some sort of protection.
10 people like this
34 responses
@uath13 (8207)
• United States
11 Feb 08
I learned my lesson long ago. Credit cards are pure EVIL. If your late on even 1 payment your interest rate skyrockets & they add on lots of extra charges. I'll stick to my debit card now.
2 people like this
@daycarepal (1998)
• United States
26 Jun 07
I use my debit card but same as you, if it's a couple hundred dollars and I don't have that much in my checking account, then I will use the credit card instead of the debit card. I really try not to use my credit cards because I already have a balance on them and I'm trying to pay them off.
@williamjisir (22903)
• China
26 Jun 07
I use credit card to pay for purchases. Most of the time, I pay in cash. It is nice to have a debit card for the convenience it offers. I don't have one yet and will try to get one later.
1 person likes this
@freak369 (4989)
• United States
9 Jul 07
Most banks offer them with checking accounts but they are linked to your checking account so purchases you make are deducted from your account.
@mipen2006 (5528)
• Australia
26 Jun 07
I'm much the same as you. My wife and I usually use our debit cards for most things, but if you think you may need some sort of back-up, for a warranty or service, it's handy to use a credit card, as they can help.
1 person likes this
@freak369 (4989)
• United States
28 Jun 07
I agree 100%, if you are making a major purchase, it is best to use a credit card in case there is a dispute.
1 person likes this
@jstaubin (423)
• United States
1 Apr 08
I use my debit card. That way it is paid for right away and I am not racking up a lot of debt that I have to pay off later.
1 person likes this
@rusty2rusty (6766)
• Defiance, Ohio
13 Mar 08
I use my debit card for everything. I rarely use my credit card. UNless I am traveling. Than I use the credit card to rent a vehicle or something along those lines. I would ratehr spend money I already had. Instead of using money I don't have.
1 person likes this
@vivasuzi (4125)
• United States
21 Jan 08
I don't even own a debit card. I'm 100% for credit (if you can afford it) b/c you can then get protection, cash back bonuses, and you don't have to pay the bill til a month later! I always pay my credit card bill fully each month, but it just feels safer than debit.
1 person likes this
• Philippines
11 Jul 07
I prefer debit card.. Actually I didnt apply for a credit card... I have a phobia with debts/credits.. LOL Its easier to live life free with debts isn;t it?
1 person likes this
@Bizziebod (3526)
9 Jul 07
NOOOOOOOOOOOOOO I don't have a credit card, it would be far tooo dangerous for me! It's bad enough when I have my debit card on me.. I admit my name is bizziebod and i'm a shopaholic lol No seriously though I would definatley max out a credit card far too quickly, so I'll stick to buying what I can afford so therefore I use my debit card or cash (or paypal) for all transactions but debit card the most!
1 person likes this
• United States
9 Jul 07
I do pretty much the same thing. I used to just put everything onto my credit card (and I always paid it off each month), but now I've found that I've been putting most things on the debit card, and just big purchases on the credit card.
@rekhum (2434)
• India
26 Jun 07
I mostly make cash payments but when i buy something online i prefer to use debit card/paypal,whichever they accept.
@jbelle (913)
• Philippines
26 Jun 07
I prefer to use debit card it is my own hard earn money. If I use credit card, what I see I get as if there will no tomorrow. And here on your fist year using of credit card there will be no interest but after a year even if you are paying on time they still have an interest like 1.5% I think. For me no hassle Ill choose debit card because I am also afraid by swiping too much I might end up in jail... Ü
1 person likes this
• United States
26 Jun 07
debit.i'd rather pay with my own money-no interest. i'd only use credit for emergencies like vet bills.
@kelly60 (4548)
• United States
26 Jun 07
I don't like credit cards and never have. I always use my debit card to pay for my purchases. If I don't have the money to pay for it, I don't buy it unless it is absolutely necessary.
1 person likes this
@biggerb (2028)
• India
22 May 08
I use my credit card.
@biobio55 (282)
• Indonesia
21 May 08
I don't like to use debit card. It is dangerous beacuse it links directly to my bank account. If I get fraud, I will lose all my money and can't do anything about it. When I use my credit card, I get many discount, special offer, and points that can be redeemable for shopping voucher at the big retailer. For me, it is better to use my credit card.
@Bd200789 (2994)
• United States
17 May 08
I usually use either cash or a debit card. I don't like charging things.
@vera5d (4006)
• United States
11 Feb 08
i use my credit card, but lie to myself and treat it like a debit card that only has so much $$ on it. This way i don't go over budget. Then we pay it off every month. In some ways it is good because we earn rewards...also if someone uses it fraudently we do not lose money out of our checking account - we just have to dispute the charges, which is a little easier than trying to fight your bank to getting your money back.
• United States
11 Feb 08
I always just use my bank card, which can be used as debit or credit, and I just say credit every time so that I don't have to type in my code. Often, I have just forgot what the code is anyways, so this is just so much easier for me!
• United States
4 Feb 08
I dont have a credit card yet and I am going to try and stick with a debit card for as long as I can. I think its much easier and much faster then a credit card, but like you said if buying bigger and more expensive stuff then one should use a credit card.