Yep! And they’re full of negative content
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Credit Card Vs. Debit Card
- Thread starter nomad
- Start date
Well yeah, thats a given.
I think it would be a lot better if more positive things were spread through the media, the world would be a better place.
At least throw a good mix of good stuff in with the bad news.
It would be nice lol
I use both as well although I only use a credit card to build up my credit history. I recently got an American Express card as well and that's getting a lot of use now because of the points system they have. I always pay off my balance in a month to make sure I don't have to pay any interest
So far, only one place has rejected it because they don't accept it. I've tried it out in 3 other physical stores and it's worked there so doesn't seem to be as big an issue anymore. I think if I tried a few years ago, I definitely would have had a few more problems.
I will always use my credit cards before I use my debit cards.
Which is better because you earn cash back and improve your credit score.
Credit cards can actually be an awesome way to pay for things if you are able to get good cards and are disciplined enough to not hold a balance on them. Paying you bills with a card that gives 3% cash back is an easy way to save 3% on all your bills. Plus you can do the same with travel points and the like. Granted, if you are not disciplined, then those 15-30% interest rates murder that whole idea.
I think credit scores are a joke, mainly the narrative that your life is defined by a credit score. Credit is a way to ensure greedy companies always make their money, preying on the younger generation especially because after I've "aged out" of the fresh out of high school, just starting college age range, I entirely stopped receiving 100s of credit card offers in the mail. I got myself into a fair amount of credit card debt, I really thought I had the hang of things and as soon as my income was rocky it was out of control with the fees and interest accumulated. You don't think it would happen to you until it does.
Credit cards are great for cash back, and if you're the type of person who is budget mindful and rather pay lower or no cost upfront for big loans like emergency, vehicle, mortgage, and for rental background checks. They can be super useful but so many people don't have the education and good habit building methods to be successful with them.
Can't really go wrong with a debit card (besides overdraft) just the bank that you choose! I think both credit & debit are essential for different reasons. Main thing is always making sure that balance is paid in full and deciding if you will be able to pay all of that extra $ if you otherwise can't stay caught up.
Credit cards are great for cash back, and if you're the type of person who is budget mindful and rather pay lower or no cost upfront for big loans like emergency, vehicle, mortgage, and for rental background checks. They can be super useful but so many people don't have the education and good habit building methods to be successful with them.
Can't really go wrong with a debit card (besides overdraft) just the bank that you choose! I think both credit & debit are essential for different reasons. Main thing is always making sure that balance is paid in full and deciding if you will be able to pay all of that extra $ if you otherwise can't stay caught up.
