How many Debit/Credit cards do you use??
By Hrishi86
@Hrishi86 (676)
India
14 responses
@UnselfishShellfish (1306)
• United States
6 Jan 08
I have two actual credit cards and one debit/check card. My check card is a MasterCard. I have a credit card that is a Visa and another one that is a MasterCard.
I also used to have a credit card that I purchased my laptop on at Best Buy, but have since paid that balance off in full and have closed that account.
2 people like this
@tryxiness (4544)
• Philippines
2 Jan 08
I have 2 credit cards and 2 debit cards under my names. :)
1 person likes this
@tryxiness (4544)
• Philippines
3 Jan 08
I use my debit cards often, but I only use of the debit cards because the other debit card is with my brother. With my credit card, I use it once a month, but since my elder brother is my supplementary he consumes my credit limit. :)
1 person likes this
@mykmari_08 (2464)
• Philippines
7 Jan 08
At present, I don't have any debit card though I really want to have one. But as soon as I'm able to pay off all my existing obligations particularly the five-digit balance on my three credit cards; I am very much interested to apply for one.
My credit card accounts with three local banks are frozen as of the moment because I have overdue accounts with them. But I'm in the process of paying all of the balances. So naturally, I'm not able to use the three of them at all.
I've learned during the course of time and based on my personal experience that having a credit card is really a temptation. Unlike this card, one doesn't have to worry of debts with a debit card; also minus the interests and penalties and annual fees.
@asawako48162 (3321)
• United States
14 Feb 08
before i got marrie i had a lot of creid cards.no debit cards..but now i only carry one..Master Card..but my wife has maybe ten..as she is more the shopper then I am..but i use ATM card sometimes..comes out of checking account as I have direct deposit on my retirement money..
1 person likes this
@Samanthavv (1380)
• United States
9 Feb 08
I have two credit cards that I am responsible for. One Capital One card, and one Wells Fargo card, which my husband has a card for that account issued in his name as well. I have one credit card that is my husbands bank account, but the card is issued in my name for authorized use. For debit cards, I have one linked to my checking account, and one linked to mine and my husband's joint bank account. So, in total I have five debit or credit cards that I carry in my wallet. It seems like a lot, but I don't really ever use the joint account debit card. And I don't use his credit card much of ever. Just my debit card and my Wells Fargo card.
@owlwings (43910)
• Cambridge, England
2 Jan 08
I have one credit card and a debit card for each bank account (joint and personal). I always pay the credit card bill by the due date and I don't think of it as a way of having long term credit.
Credit cards, when used properly, are a useful way of controlling one's outgoings so that one knows what money is due and when it has to be paid. I find that only one is necessary. I cannot see the advantage (for me) of having more than one, since all of my money is in one stream.
A credit card is also somewhat essential for buying online, though more and more outlets are accepting PayPal and similar electronic payment methods.
1 person likes this
@danishcanadian (28955)
• Canada
15 Feb 08
I have two debit cards, and no credit cards. I have a debit card with my bank in Canada, and another one with my bank in the USA. The adantage to the one in the USA is that it can also be used as a credit card, since it is affiliated with Visa, whereas Canadian check cards are not. I don't need a credit card, because I have the American check card.
@maximax8 (31046)
• United Kingdom
2 Jan 08
I used to have a credit card. I was given it when I was a student. I spent about £2,000 pounds on it. It was expensive paying that debt off because on the interest. I think it is fine for me to buy things with a credit card then pay off the full balance before the end of the month. I could easily over spend so I choose not to have a credit card anymore.I have two debit cards from different banks. I use the ATM machine quite a lot.
1 person likes this
@kevsgirlalways (5883)
• Malaysia
22 Feb 08
i dont have any debit card, but i have 3 credit cards hehe. i use one of them for my petrol so that i can keep track how much i spend for my car's fuel. the other 2 i use it alternately, mostly to buy stuff.
@creationsbyrobin (3071)
• United States
20 Feb 08
I have more debit cards than credit cards. I use my debit cards far more than the credit card. I hate having to pay off credit card bills, so when I have money in various accounts, I will always use debit cards s the 1st choice.