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Choosing Between Debit and Credit Cards
By Janna Weiss
Cardholders make a lot of choices. First they must choose whether or not to apply for a card. Then
they have to decide which card they want. Their choices include 0% interest cards, reward cards,
charity cards, and so forth. But now there’s another choice for cardholders to make: debit or credit?
Which card suits your needs better? Is one payment method superior to the other?
Debit Cards
Debit cards are a convenient choice for everyday purchases. You swipe them at cash registers and
gas pumps just as you would a credit card. Debit cards pull money straight from your bank account.
There is no interest involved, and no monthly payments to worry about. If you tend to carry a balance
on your credit cards from month to month, debit cards might be a good alternative.
Still, buyers should pay careful attention to their bank balances when using debit cards. Most debit
cards won’t be declined until you’re overdrawn by hundreds of dollars, and each overdrawn transaction
will cost you big.
Also, debit card users aren’t subject to the same amount of purchaser protection that credit card users
enjoy. For example, purchases made with credit cards can be reimbursed if the merchandise turns out
to be shoddy. When you buy something with a debit card, you’re pretty much stuck with the purchase
unless you can get an old-fashioned refund from the seller.
Credit Cards
Credit cards offer variety, perks, and consumer protection. They also come with the te