How Many Have Learned To Love Your Debit Card

zipperzap

January 12, 2007 05:53

I've never lost/had a wallet stolen. I started using a debit card a few years ago,
occasionally at first ... now almost exclusively. I'm wondering how many here
are avid debit card fans, too. I find it much more convenient than having a wallet
full of various denomination bills and differing amounts of change in my pockets.
[:D]

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  kristov

  January 12, 2007 14:38

  I use credit cards or pay cash but a debit card is handy. My oldest girl is away at school so it is very easy for me to just deposit the proper amount into her account each month so that, unlike a credit card, her spending cannot get out of hand (like her mother's [:(!]). I also have the statement mailed to me so I get to see just what the money is being spent on. After three years of this there have been no problems at all [^].

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  minitruck83

  January 12, 2007 17:36

  quote:Originally posted by Colonel Plink
  quote:Originally posted by forkliftking
  It's hard to tip a topless dancer with a debit card. [:D][:D][:D][:D][:D]
  
  
  
  Unless she lets you swipe it.
  
  
  [:0][:0][:0][:0][:D]
  
  
  
  
  Allen

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  aramisvi

  January 12, 2007 18:05

  i'm on check systems. can't have a bank account until oct of this year. but i have always prefered cash for everything. if not cash, money orders. i barter and trade alot too.

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  David Nunn

  January 12, 2007 19:44

  Debit cards have their place, but you should consider something when deciding whether to use them in place of cash.
  
  Using plastic removes an emotional connection between the transaction and the actual money involved. When you have to dig out actual dollars instead of swiping your card, you tend to think about what you are doing and actually spend less money.
  
  Remember when the fast food joints recently started taking plastic? When I first saw that, I thought, "Who is going to use plastic at McDonald's?" Turns out, a lot of people do, and McDonald's marketing people found that an average customer spends 37% MORE when using plastic than when using cash.
  
  Coca-Cola found that revenues in vending machines went up over 100% when they rigged the machines to take cards.
  
  Your money, your choice. I use cash whenever possible.

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  ReserveWCSOjrw

  January 13, 2007 01:53

  I am with you Zip. I pretty much use mine for everything. If a place doesn't take them...I just get annoyed...and never shop there again!

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  dawnie

  January 13, 2007 07:39

  unlike Nunn,I use my debit card for everything That is why I went 7 years on an expire drivers lic because I only wrote checks to mail off my bill and they dont require an id so I never looked at it.
  And I moved so I never got a renewal notice,,,,big mess so now I keep an eye on my drivers lic.

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  bgjohn

  January 13, 2007 07:53

  I don't have a debit card. If someone gets it they can empty your account. No protection at all with it. I use a credit card for everything and pay it off every month. It it is stolen there is no liability to me at all. Having a debit card is dumb! My credit card balance is ZERO![:0]

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  chappsyny

  January 13, 2007 08:18

  quote:Originally posted by allen griggs
  "I will pass on the paper trail"
  
  I am with you, select fire.
  
  
  Tell me, debit card users, about security. If your card is lost and someone spends your checking account dry, what happens?
  
  If your debit card has a MC/Visa logo on it then you have the same right to dispute and protections as a credit card PROVIDED a pin # was not used for the sale. Since the perp would only be able to do swiped or internet/phone sales then you would not have much fraud liability past a nominal deductable.

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  RUGERGUNZ

  January 13, 2007 08:41

  Use the CC all the time. I also get a percentage back depending on what purchases it is for. Also no membership fee etc.
  
  It is currently buying me a gun.

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