LogFAQs > #900342935

I work at a bank and trust me: using a debit card only does not help people budget or keep them from over spending. The card in your hand does not dictate what sort of person you are. If you are financially responsible you should be using a credit card.

- Increased security (bank side and agency side).
- Fraudulent charges are a degree removed from your actual liquid cash.
- Non PIN disputes are also more quickly resolved than PIN disputes.
- Rewards such as points, cash back, perks, etc.
- Building credit in the revolving category.
- You can even request an ATM PIN for your credit card and not have to also carry your debit card around if you need cash.
- The ability to purchase things such as rental cars, hotel rooms, etc.
- The ability to make emergency beyond your means purchases when needed.
- The ability to make purchases of large amounts when needed. (Debit cards have small daily limits and Ive seen customers get screwed because they suddenly needed to make a large transaction.)
- Ease of budgeting and taxes. Credit cards usually have annual or monthly reports you can access. You can even sort transactions by merchant type (such as medical) when doing your taxes or other budgeting tasks.
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