Using debit card instead of credit card is better?

Absolutely it's better to use your debit card than a credit card. I had a credit card and got myself about $2000 in debt. I realized it was going to become worse the longer I had it, and so I cut it up and haven't used it since. I don't buy anything unless I know I can afford it, and I stay out of debt that way. I can't understand people who have huge homes, boats, cars and all of this stuff that they can't possibly afford but buy anyway because they can get it on credit. Is it just to impress the neighbors? I can't imagine going to work every day knowing that every cent that I earn is already owed to somebody and will be for the rest of my life.

Women should have debit cards instead of credit cards because they simply lost conrol when they are shopping, if you have a credit card, you do not really care how much you spend that day as you do not have to pay yet, but if you get a debit card it sets a budget for you to sepnd on that day. If you have few credit cards and when you loss control, you may have to pay off a huge bill next month, but the fact is you may not be able to repay it by one payment, you may need to borrow from someone,,,or...etc.. This is a Vicious cycle and it will never end.......

I don't have a credit card because it is so easy to get into debt because of lack of self-control. I do have a debit card that I use occassionally but try not to for the same reason. The good thing about the debit card is if I am out of town and do need cash I can get it (as long as I have money in my account).

yes credit card lay some extra money when it bars the time , thus the depit is better........

Yes it is true that if you have credit card you have a tendency of impulsive buying. You tend to buy your wants not your needs. It is better to use debit card because after shopping you dont have debt at all. I can tell because i have two credit cards and also a debit card. In my credit cards i tend to spend without enough reason. SO i suggest if you have credit card make sure you have discipline in oneself, it is for your own good.

Generally speaking, a credit card is better than a debit card. Apart from the fact that it is more prestigious, the reward program offered for a credit card is usually better than that of a debit card. It is also safer because there are more protections warped into a credit card. However for those who need to but do not have the discipline to live within their means, then a debit card will certainly suit them better than a credit card. :P

I agree to your view totally.Debit cards should be used more.

Yes, I think that owuld help. A debt card won't work unlesss you have the funds avaliable and the credit card lets you just rack up more debt. I use my debt card as a credit card though because I get cash back when I do that. It's not a lot but about $5 every few months or so.

I definitely agree that debit cards are an easier and safer way to spend. Credit cards just leave you with a bunch of debt that you're stuck paying for. Debit cards deduct directly from an account. Your money is there and you're already paying for it. I'd rather pay for it now and get it over with instead of letting it hang over my head.

It is better unless you use a cash back, dividend, airmiles, or any type of reward credit card that does not have a monthly fee and pay off the balance each month. Also if you buy a big ticket item on store credit, oftentimes it you have a bank credit card and bank debit card, they will not allow you to use the bank credit card to make payments. It is also handy if you have a steady income and see the money come in your bank every month.

I would like to be able to live a debt free life too. But currently, I am still struggling with credit card debt. Its true that it is a lot easier to decide to buy something since we have credit cards to charge it to. I have already physically cut almost all my cards. I want to be able to pay them all off as soon as possible. I think using a debit card instead is a good help too since it is still money deducted from my account real time, so I think twice, thrice and a lot of times before I actually decide to buy something

I think it's all up to control. I have had a credit card for about 5 years now and have never been one month late on my payments. I pay my cable, gas for my car, groceries, eating out, phone bills, etc. on it and get the balance pretty high each month. Yet I've never gone in debt on it or carried a balance over. Basically everything that goes on it I would pay in cash or check anyways. The reason I prefer the credit card is because I get 5% back. So in a month with all of those bills around $500 in total usually, I get $25 back which is a nice feature to have. With a debit card I wouldn't get that. So the main thing is control and pay off the bill each month. NEVER carry a balance over. It's truely not hard to do.

I agree wholeheartedly but let me make another suggestion. Some of us don't have bank accounts and need to make payments or purchases online. Recently, they came out with reloadable debit cards for those without bank accounts. These are a two edged sword and people need to be aware of this. First of all, the reloadable cards don't warn you that on top of the initial fee to purchase the card, you either have to pay a monthly charge or a $1 fee for credit purchases or $2 for ATM purchases. That can add up really fast. Plus you have to pay a reload charge every time you add money to the card. However, there is a way around this, so to speak. If you simply need the card to make online purchases of $100 or less, I recommend buying a Visa or AmEx gift card which doesn't charge per purchase and is only $4.95 or $4.99 to buy. Make sure you buy one of the All Access cards, though, and not NetSpend because you have to call in to have your name put on the card's account and they charge you for each call after the first one. Then, you have to wait 24 to 48 hours before you can use the card online. If you get the All Access cards, you can register online and immediately have access to your money for online purchases and they don't charge per purchase. My suggestion is that you buy the reloadable card and register it and make sure you get your permanent card within 2 weeks or call them about it. Then, use this card only for large purchases like renting cars or something that requires a card with your name on it or when you are traveling and need access to cash. Then, spending $1 or $2 for a purchase is no big deal. For small purchases online, buy the gift cards and save yourself the cost of purchase charges. This works for me and I think it will work for you. One other suggestion is that you sign up for a PayPal account (Premium account) if you have a bank account and get a debit card from them. Then, you can use those reloadable cards to transfer money to your PayPal account and you don't have to pay a fee for every purchase. It does take 3 to 5 business days for the transfer to go through but PayPal seems to be fairly reliable. I've been using it for the last 3 or 4 years and I enjoy it. My family sends money to me that way and I get my earnings from a couple of sites that way. I also get paid for doing out of city work for people that way. It's convenient. Okay, I think I've said enough. I hadn't planned on writing a whole article.

i would definately with no hesitation recommend a debit card instead of a credit card.by using a debit card you can know how much exactly you're spending and can be money conscious.by using a debit card, we just tend to buy stuff , even though we do not require it,as we are neglegent, it is like a postapid acoount vs prepaid account. in a prepaid accoutn you can possibly know that you have to cut down in calls but postpaid we just carry on,no matter what.

I completely agree with u. in this case you can atleast spend if u only have money. u will not make new debts. I prefer using debit card than credit card.

I have credit cards from Visa, Master Card and American Express but I simply choose not to use them. I have 2 debit cards from my local bank and I prefer being able to spend only what I have rather then going into big debt. The problem is often that people do not realize the size of money the owe to a bank or credit card company and one day it hits them that they are left with nothing and can only go to court and declare themselves bankrupt which still leaves you with some nasty reminders afterwards.

I seldom bring cash because I like to use debit card instead. In having cash, I can see how much I've been spending. For example I have $50 in cash then I keep on spending it...later I realized that it's all gone. With debit cards I don't get track of how much I'm spending that much. I do check my bank account regurlay so I know that I'm not overdrawn. With credit cards, I tried to cut down as much as possible. I don't wanna be in debt for the rest of my life so I am starting to pay off some of it and never use it again.

My credit card and debit card are the same. I do not use a regular bank for my banking thou. I go through my credit union that i joined long ago when i worked in a factory and i have never moved my money to a bank. There are some bad points of having my money in the credit union. As there arent many branchs. But for me to use either the credit card or debit card i have to have the money moved into my checking before i could use either. This makes me figure out what i need to spend when i go out, or what i need for the week ahead. I rather have it set up this way. I wont go into debit and wont over spend my money.

I totally agree with you .. being in debt is an insecure lifestyle .. living in present and making most of it is my funda in life .. no one can predict future .. with a credit card u enjoy your present but your future is unpredictable .. if you are unable to repay your debts, the fun you had in the past would also start looking ugly to you .. so live in the moment .. dreaming big is good but relying totally on dreams is dangerous .. have faith in yourself but do not rest your future on dreams alone .. all in all live life queensize !!

its better to use your debit card, im not saying that because i dont have a credit card... lol! but when you use credit card, its like you dont worry anything coz you can spend like how much you want when you use it, but in debit card, 1st its my own money so you can control the way you spend it. and 2nd, you dont need to worry about debts. but it is a good thing to have a credit card though, just use it wisely.....