Not So Silent Listener
 |
CARD? Debit is better, but if you have no credit rating a Secured Credit Card is a good idea.
Just pay it off every month as if it were borrowed money. A secured Credit Card is when you give them $1000. to hold and then they give you a line of credit card based on your own money.
It is not exactly 'free' but it can establish you with a good credit score for future purchase such as a home etc.
But for buying things without such an agenda - DEBIT is tidy. |
|
hottlatina4u_69
 |
debit because it is your money!!! you are not borrowing from a bank that charges you interest, late fees, and other crap. The only way you will get a fee is if you dont have money or enough money in your account to pay what you are buying! |
|
JeffyB
 |
For what? |
|
carelesswhisper1015
|
Definitely debit. Credit is just that. You still have to pay for the items. Debit is when you have the money and are paying up front, just like cash. |
|
Jayce's mommy
 |
credit...some places charge a fee for debit...debit takes money out your account right away and credit takes longer to post that is the only difference and debit charges fees sometimes |
|
Davey
|
Debit, credit cards are the reason people drive SUVS but live in trailer parks and are in debt up to their knees. |
|
gaygothdude04
|
Debit....you can't go over your limit and be in debt |
|
welch1198
|
Debit |
|
BeautifulSin64
|
Debit is good and credit is bad- case closed. |
|
kalsmom
|
Debit, if you're talking about cards. No interest charges. |
|
12xu
|
i like cash better than anything. i dint trust banks or credit co. |
|
juicycouture
 |
debit, you can track your spendings better because it takes it right out of your account |
|
aardvarcus
|
Debit- Everyone charges interest for credit...
Besides in order to use debit you have to already have the money. If you rely on credit, you go into debt and if you cant pay for something now, how are you going to pay for it at the end of the month.
Best thing is actually cash. Never heard of someone having their identity stolen from forking over bills. If you were going to sell something and several people came to buy it, would you sell it to the person with
A- a credit card
B- a debit card
C- a fist full of $20's
Exactly |
|
Cait
|
I agree with daveycakes. It's easier to spend more with a credit card. Debit helps you control your money better. |
|
skycladva28
|
I would say that Debit is better only because you need a PIN to access the money. It really cuts down someone taking your money and Identity theft. Just my opinion on this subject. |
|
mandapanda2k6
|
credit you dont have to type in your pin # while the other person behind you in the line is watching you |
|
jk
|
Credit, if you are using the same card. It takes a day longer to come out of your checking account. |
|
lheng84
|
I prefer debit, but it's best to have both on hand. With debit, you're spending your own money so don't have to pay anyone back. And with credit, you need good credit to buy a house or car, etc. So there are benefits for both. But people need to learn how to manage their money so they don't fall into debt. |
|
ironik
|
debit card is better |
|
Sunshine
|
debit it comes out of ur account sooner. credit can take much longer |
|
tragil
 |
It depends on what you mean by "better". It's true that interest accumulates on credit purchases, but responsible management of credit cards is a great way to build your credit score and make future purchases possible. It's important to ALWAYS pay on time, but even better is to pay off your credit card charges that same billing cycle and avoid accumulating debt. Debit is a convenient option if your bank doesn't charge a fee each time you use it, and you're spending your own money that way...Also, using your debit card for hotel stays or car rental can cost you BIG deposit fees at check-in, which is inconvenient. |
|
Gianna
|
If I were you I would use cash as much an often as possible,CC's only lead to major issues in the long run. |
|
| |
|
Homepage 
Financial
Forum 
Business & Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
