โApr-02-2018 03:54 AM
We must be willing to get rid of the life we've planned,
so as to have the life that is waiting for us.
โApr-06-2018 12:46 PM
โApr-06-2018 12:43 PM
pnichols wrote:toedtoes wrote:
I use my debit card because I simply don't want to deal with that payment to the cc company - for me, it's just one more thing to deal with.
I here ya regarding "just one more thing to deal with"! (K)eep (I)t (S)imple (S)tupid is the name of the game.
However, of course one doesn't have to do anything to service one's credit card(s) each month. i.e. I have our credit cards set up for autopay, so they take care of themselves.
To me, keeping track of a how much I can put on a debit card each month based on how much running balance I have in my checking account each month is as much effort as properly keeping on eye on a checking account versus the checks I would be writing against it each month. Way too much non-KISS hassle.
P.S. I just called my high payback points CC company. I'm almost eligible for $500 back from all the everyday stuff, groceries, and vehicle gas I've put on it the past few months ... nice.
โApr-06-2018 11:54 AM
toedtoes wrote:
I use my debit card because I simply don't want to deal with that payment to the cc company - for me, it's just one more thing to deal with.
โApr-06-2018 11:38 AM
I may not have gone where I intended to go, but I think I have ended up where I needed to be
Douglas AdamsโApr-06-2018 11:16 AM
2oldman wrote:Crowe wrote:x2CavemanCharlie wrote:Why? Use your data plan and not Wi-Fi. Much easier to check balances, transfer money, etc., than running back to the unit to use a laptop or having to wait until you get home. It's no more dangerous than using a credit card at a store or online, possibly even less. If the want you they will get you.
I DO NOT use my phone for online banking. That seems crazy to me.
If you don't use your phone, what do you do? Go into a bank?
โApr-06-2018 10:52 AM
pnichols wrote:
I've never understood any real good reason for using debit cards.
Just use a credit card and pay it off every month. That way you have both fraud protection and an immediate source of big money for an emergency -> the way we had to use our credit card when our RV's transmission failed as we started down the driveway on an RV trip with friends waiting for us.
A debit card would have been useless, as no way did we have - or want to keep - that kind of money laying around in our checking account ... and it would have take a few days to get the money out of our retirement account.
โApr-06-2018 10:16 AM
Crowe wrote:x2CavemanCharlie wrote:Why? Use your data plan and not Wi-Fi. Much easier to check balances, transfer money, etc., than running back to the unit to use a laptop or having to wait until you get home. It's no more dangerous than using a credit card at a store or online, possibly even less. If the want you they will get you.
I DO NOT use my phone for online banking. That seems crazy to me.
โApr-06-2018 10:05 AM
โApr-06-2018 09:48 AM
drsteve wrote:Ralph Cramden wrote:
Visa's Zero Liability* Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
Sure, they will fix it... eventually. I didn't mean to imply that you'll be SOL if someone drains your bank account, but until the bank gets it straightened out, you will not have use of your funds. With a credit card, all you're looking at is a temporarily bigger number on your monthly statement.
โApr-06-2018 09:39 AM
โApr-06-2018 08:05 AM
โApr-06-2018 07:00 AM
โApr-06-2018 06:51 AM
Ralph Cramden wrote:
Visa's Zero Liability* Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
โApr-05-2018 08:46 PM
afidel wrote:drsteve wrote:free radical wrote:
I use debit card for almost everything,,but to be safe I set up email allert to get notified every time I use it..
Then just log into my acount to see the balance left..simple and easy..
I use a credit card instead. If someone steals your credit card number and makes a bunch of fraudulent charges, your credit card company has a problem. If someone steals your debit card number and drains your bank account, you have a problem.
Exactly, when they came out with the Visa debit cards I ignored them until one day a new card showed up unrequested and it was one of those. I called my bank and asked for a new ATM only card, they said sure, that will be $5/month. I told the wife to just never, ever swipe the bank card. I would have switched banks but every bank with more than a handful of ATM locations around here has the same policy. I love my credit union but ATM availability is their one weak point even with the network of credit unions they are part of. That reminds me, when traveling their network might actually be superior to my regional bank, should ask them for a card to access the savings account.
โApr-05-2018 07:00 PM
drsteve wrote:free radical wrote:
I use debit card for almost everything,,but to be safe I set up email allert to get notified every time I use it..
Then just log into my acount to see the balance left..simple and easy..
I use a credit card instead. If someone steals your credit card number and makes a bunch of fraudulent charges, your credit card company has a problem. If someone steals your debit card number and drains your bank account, you have a problem.