Using Debit card or Credit card?

[Heatman]

Over here, most people are all for debit cards and even if they wanted to have credit cards, most banks wouldn't approve it for them because most wouldn't meet the requirements or even would decline paying for the accumulated debts.

Personally, I can afford having a credit card and I have one but I only pull it out for emergency cases. Every other card transactions I do is with my debit card.



Which one do you make use of?

 

[Grungie]

I don’t have a need for a credit card, so I just use debit. The only minor annoyance I have with not having a credit card is if I want to rent a car. Though some renters do take debit.

 

[Sebitude]

I pretty much only use debit card, got a credit for emergency but it doesn't see much use.

 

[Heatman]

I pretty much only use debit card, got a credit for emergency but it doesn't see much use.

If that's the case, you don't really need it anyways.

 

[Demon_Skeith]

I use a credit card and keep my credit score up high.

 

[Heatman]

I use a credit card and keep my credit score up high.

That's the best way to use a credit card. If you can't, it's better not to use it.

 

[Demon_Skeith]

That's the best way to use a credit card. If you can't, it's better not to use it.

It does take self control which... I may be lacking this time of year

 

[Heatman]

It does take self control which... I may be lacking this time of year

It's one month left till the year ends. So next year, you get your control back lol.

 

[Demon_Skeith]

It's one month left till the year ends. So next year, you get your control back lol.

January is the month of regret when I get said credit card bill.

 

[Heatman]

January is the month of regret when I get said credit card bill.

I think we all hate January just like we hate Monday's.

 

[Demon_Skeith]

I think we all hate January just like we hate Monday's.

I really do, mostly due to it being a cold cold snowy month.

 

[Heatman]

I really do, mostly due to it being a cold cold snowy month.

Winter sucks big time for most people.

 

[Demon_Skeith]

Winter sucks big time for most people.

Specially when you live on hills.

 

[froggyboy604]

I use a credit card with a lower $1000 credit limit, and my credit card earns cash back rewards, so I get back some money per month. I always pay my credit card bills on time most of the time, so my credit score is higher.

 

[Heatman]

Specially when you live on hills.

Yep, it would be like they hang you out on a spot to be dealt with lol.

 

[Revolved101's iconRevolved101]

I mostly use my Credit card but sometimes debit card depends. I used to Debit a lot back in High school not that much anymore

 

[Artisan Vistra]

I use a credit card and keep my credit score up high.

This but most of the time I use debit if at a store in person.

 

[Heatman]

I mostly use my Credit card but sometimes debit card depends. I used to Debit a lot back in High school not that much anymore

Debit card is the only card I have peace of mind using without having to worry about getting in debt lol.

 

[WitchAssassin]

I use a credit card and keep my credit score up high.

This is me. I only got one credit card just to boost my credit score and keep it up. It doesn't have much of a limit on it but that's okay. I don't normally put a lot on it at a time anyway.

 

[Heatman]

This but most of the time I use debit if at a store in person.

It's the only thing I shop with in physical store or I even do a direct bank transfer.