debit card vs credit card, which has more advantages for the user.?
439029
When you use a "debit card," you have a choice to pick debit or credit.  If you pick debit, you enter your pin number and the charge is registered immediately from your checking account.  If you pick credit, you will sign the receipt usually, and the charge may take a day or so before it is deducted from your checking account.\nFor sure, do NOT ever pay a fee for using your card such as an ATM.  It is your money so no need to ever waste any.  Watch your pennies.  Usually banks charge no fees from at least their own ATMs.
1170649
Credit cards: extend you a line of credit that you use as you please. Benefits: have a record of all your expenses, pay one bill monthly instead of cash [hard to keep track of] and checks [a bit of a nuisance]. Benefit to issuer: Retailers pay the issuer a percentage, and if you don't pay yours in full by the due date, you pay the issuer a percentage. Whereas the retailer may pay a modest few percent, you would pay anywhere from 12% to 28% [possibly more]. Online card use: no more or less risky that other forms as payment. Some cards allow you to go online a choose a "replacement" card number for online purchases. That number is good for a short time. Using that benefit keeps you from ever having to type in your "real" card number. Risk factors for using credit cards: You can only spend as much as you know you can pay back when you receive the statement, otherwise you will end up paying far more that you expect.
644192
In Thailand have many people hold credit card not get by company but give by Bank many International Bank manage money offer for salary person money down 300 pounds can hold credit card when there use all more problem cannot pay back the Bank get lot of interest more than cash who pay so must take law punish cannot pay lot of people I think way save money is better than use credit card but people if have a discipline an necessary to use in group of movement money sometime is good i  am  not agree to use credit card for people use money swing by credit.
291642
Yup. because a credit  card is a credit card. lol but thats a good question
601622
Your debit card works the same as a credit card when purchasing online, as long as you have the funds in the bank of course.
781791
They are the same. At some places you will be asked not to enter your pin when choosing the Credit Card option and instead have to sign for it.
275676
A checking account gives you a debit card and checks, whereas a savings account just lets you keep your money in the bank to collect interest.
672172
Don't know if its the same in the US - But we have a thing here called Visa Debit - has the same numbers/expiry and CCV of a credit card so try and find one of those.
16935
The debit card takes money out of your account.  You can only spend as much as you have in your account.\n\nThe credit card keeps a running balance of money that you still owe.  The amount that you spend is based on the credit limit.  Therefore you could spend much more than you have in your account.  Credit card companies hope that you do this so that you cannot pay off your debt.  You will then have to pay interest on the debt.  The danger is that the interest becomes larger than your pay check.  You will then never be able to pay down your debt. The worst case is that you will have to accumulate more debt just to pay the interest.
17726
A debit card can be used like a credit card if you have one.  Have you tried shopping on EBAY?  Most people on there let you use money orders or personal checks.  And believe me, you can find anything for sale!  New as well as used.
765117
The biggest possible disadvantage would be any "fees" that your bank would incur.  Be sure to read that fine print.  The convenience of a debit card comes with more responsibility too, you've got to write down all of those transactions in your ledger or it can really cause a headache later when you try to balance your books.
95904
The first two answers your question received are correct, in a limited sense, but there are great differences that they failed to mention.\n\nThe biggest difference to you, as a consumer, might be the protections available to you when you use a debit or credit card to make a purchase.\n\nIf you use a credit card to purchase something, and you find that the item is faulty, or not as advertised, or the seller fails to deliver it in proper order, or perhaps fails to deliver it at all, you can challenge the charge and if you can substantiate your case, the charge can be reversed.\n\nIf you use a debit card, you are guaranteed no such protections.\n\nI'm not recommending you cut up all your debit cards and use only credit cards, just pointing out a major difference between credit and debit cards, which is what you asked about.
78172
Go to a bank, open an account and they will furnish you a debit card.  It's essentially the same thing.
771814
A direct debit is a payment that can be set up to pay a company or person an amount of money for a set period of time. \nthe company or person will give u a form to fill in ur bank account details and sign and they will arrange the direct debit to be debited from your account every month.\nthis can be used for many different purposes such as paying off a debt or to pay your mobile phone bill or even for a subscription.\nIts really handy and makes life easier so u dont have to remember to pay the company or person every month. \nu do have to make sure u have plenty on money in your bank to cover the direct debit as if u dont your bank will charge u\nhope this helps! :)
910069
a debit card has a Visa or Mastercard logo making it able to be used just like a credit card. An atm is able to do that as well but only at places that dont require your card to have a credit card logo on it...in other words, the debit card will be accepted more places than just an ATM card.
216252
The best credit card for anyone is a Visa or Mastercard debit card (not technically a credit card).  If you need the use of a credit card and can afford to pay for it, just use that money to open a checking account and use the debit card instead.  If your intention is to build your credit, do it with other forms of debt like an auto loan.  The only good credit card is one with a zero balance.
90665
Actually, you can still dispute any charges on a debit card just as you would a credit card or an ATM transaction.\n\nSome credit cards offer theft protection for purchases.  This service is generally not available to debit card users.\n\nYou can earn points or receive cash back if your credit card has those features.\n\nBut apart from those, there really isn't a big difference between a credit card and a debit card.