- Centurion Member
- Posts: 125
- Joined: Wed Dec 05, 2012 12:47 pm
- Location: Iowa
Hi, I'm new here. Been doing lots of reading and it's getting me confused.
Now if I understand correctly, there are more protections when using a credit card than using debit?
The reason I'm asking, I currently have 2 credit cards which I've had for about a year, I have a bank checking account with a debit card which I rarely use and recently Wally World sold me up the river on one of their Bluebird American Express cards. I really don't feel comfortable using my debit card because I was told a thief could use it to empty my entire account, so I keep it locked up and hidden. I got the Amex because most prepaid cards "fee" you to death and the Bluebird doesn't have fees, at least I don't pay any.
Okay, I'm planning on going to South Dakota to visit relatives over Christmas/New Years and might be gone up to 2 weeks. I'll need gas, motels for a couple nights and make several stops for food on the trip.
They gave me several options, use my Bluebird card, open a separate checking account so I have a real bank account with a debit card and keep only the money in it that I need for the trip, get something more disposable like Green Dot and throw it away when I get back or use the credit cards for everything.
I've been trying to lay off of the cards, keep them open so I keep building credit, but then do most of my shopping with Bluebird so I don't get carried away spending money I don't have. I usually end up using my cards to eat out or something so they stay active, but loading up the cards doesn't do much for you other than give you a bigger bill to pay.
One place says it's safer to use prepaid debit than anything and the other place says to use credit cards and leave everything else at home.
Could someone please explain?