- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
JC, if you buy a product with a credit card and the product turns out to be defective and you try to return it but the merchant balks, you can dispute the charge and not be liable for it until the dispute is resolved.
If you buy a product with a debit card and the product turns out to be defective and you try to return it but the merchant balks, you must appeal to the merchant to return the money that has already left your account.
The latter is a very different situation and why I say that debit cards do not offer the same security that credit cards do. Perhaps instead of "security" I should have said "purchase protection." However, it has been my experience that a bad product/service experience is far more likely than having one's card number stolen.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.