Debit Card or Credit Card?

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Debit Card or Credit Card?

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Contributor: Bignuf Bignuf
How do you pay for your online purchases?
12/30/2012
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Contributor: Septimus Septimus
cc usually. I don't actually have a debit card, and while I think I have a PayPal account, I'm pretty sure there's nothing in there...
12/30/2012
Contributor: Gunsmoke Gunsmoke
Credit - debit cards have more risk. I don't want to wake up with an empty bank account. Credit card companies cannot make you pay for things you did not buy - the fraud protection is much greater with credit cards.
12/30/2012
Contributor: js250 js250
Credit card...reloadable.
12/30/2012
Contributor: kitty1949 kitty1949
Debit card.
12/30/2012
Contributor: Rossie Rossie
Same as Gunsmoke, it's risky to use a debit card online.
12/30/2012
Contributor: CollegeFun2014 CollegeFun2014
Credit card
12/30/2012
Contributor: G&L G&L
We use both.
12/30/2012
Contributor: TheirPet TheirPet
Debit card. I don't own any credit cards.
12/30/2012
Contributor: Mikemanz Mikemanz
debit
12/30/2012
Contributor: Voir Voir
debit
12/30/2012
Contributor: invisiblehat invisiblehat
I use a reloadable credit card.
12/30/2012
Contributor: kdlt kdlt
Credit card.. gotta build that credit!
12/30/2012
Contributor: Lildrummrgurl7 Lildrummrgurl7
Debit. I rarely use my credit card.
12/30/2012
Contributor: Adriana Ravenlust Adriana Ravenlust
DEbit.
12/31/2012
Contributor: null null
Debit card, but I need to get a credit card soon, I have no credit at all.
12/31/2012
Contributor: bayosgirl bayosgirl
Quote:
Originally posted by Gunsmoke
Credit - debit cards have more risk. I don't want to wake up with an empty bank account. Credit card companies cannot make you pay for things you did not buy - the fraud protection is much greater with credit cards.
Actually, both times I had fraudulent charges on my debit card, my credit union took care of it right away. It probably varies from bank to bank but I have no worries using my debit card online. I am, however, somewhat concerned about those self-checkouts where you scan your card, but to solve that problem I've been covering up the numbers with my hand before swiping it.

In answer to the original post, I do have a credit card, but I use it only to buy gasoline (it's mainly to help build my credit.) I use my debit card for everything else.
12/31/2012
Contributor: bayosgirl bayosgirl
Quote:
Originally posted by Gunsmoke
Credit - debit cards have more risk. I don't want to wake up with an empty bank account. Credit card companies cannot make you pay for things you did not buy - the fraud protection is much greater with credit cards.
Actually, both times I had fraudulent charges on my debit card, my credit union took care of it right away. It probably varies from bank to bank but I have no worries using my debit card online. I am, however, somewhat concerned about those self-checkouts where you scan your card, but to solve that problem I've been covering up the numbers with my hand before swiping it.

In answer to the original post, I do have a credit card, but I use it only to buy gasoline (it's mainly to help build my credit.) I use my debit card for everything else.
12/31/2012
Contributor: Incendiaire Incendiaire
Debit card, I don't even have a credit card as I've never needed one.
12/31/2012
Contributor: ArcaneBlast ArcaneBlast
Credit which I pay with my checking account so technically it's just transferring the debt :3
01/01/2013