Does anyone still use their debit cards?

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Scoobynoodles
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Postby Scoobynoodles » Thu Jan 31, 2013 3:56 pm

A relative of mine went to get cash out of a US Bank ATM - pretty popular in the Midwest area - where the ATM "eats" the card while you're performing your transactions and "spits" it out once completed. Once the card was inserted, the screen went blank for about 10 minutes and in the process her card information was compromised. I have noticed most banks - well in the NYC area - got rid of those machines. I prefer just inserting and taking out right away machines.

Either way, another reason why I rarely use my debit card and even more leery of using them for cash. This happened in Kansas City by the way.
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Dylan1982
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Postby Dylan1982 » Fri Feb 01, 2013 2:29 pm

I use my TY card like my debit card. I still balance my checkbook. when I get my CC statment, I compare it with my back statement for the purchases I made and pay the balance off every month in full
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fantasy86dj
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Postby fantasy86dj » Mon Feb 04, 2013 4:41 am

I only use my debit card at the ATM when getting cash out - but 97% of my transactions go onto one of my six cards then I get the balance direct debited monthly out of my main account.

DavidNY
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Postby DavidNY » Mon Feb 04, 2013 8:46 am

Scoobynoodles wrote:NYC area - got rid of those machines


People were forgetting to take their cards out of the machines.

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Postby Preferred Member » Mon Feb 04, 2013 9:20 am

Only for cash. About a year ago I talked my wife into stop using her debit card so much.
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Randiesel75
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Postby Randiesel75 » Mon Feb 04, 2013 4:58 pm

fantasy86dj wrote:I only use my debit card at the ATM when getting cash out - but 97% of my transactions go onto one of my six cards then I get the balance direct debited monthly out of my main account.


Me included. Awful when that would happen. Especially the early days when printing a debit card wasn't as immediate.

moxie
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Postby moxie » Thu Feb 07, 2013 9:58 pm

Preferred Member wrote:Only for cash. About a year ago I talked my wife into stop using her debit card so much.


I'm still trying to get my boyfriend to stop! He only uses his debit card and has no credit cards. :(

Randiesel75
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Postby Randiesel75 » Sat Feb 09, 2013 8:39 pm

moxie wrote:I'm still trying to get my boyfriend to stop! He only uses his debit card and has no credit cards. :(


Enlighten him, sign him up for an account in here.

dickey1331
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Postby dickey1331 » Sat Mar 09, 2013 2:07 am

I hardly use my debit card ever since I got my AMEX Gold card. USAA used to give rewards for the debit card but when the CARD act got passed they stopped.
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kelvSYC
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Postby kelvSYC » Thu Mar 14, 2013 2:32 am

For me, it depends on which country you are talking about.

From a young age I have always been taught that credit cards are like "running a large tab and paying it off with one debit transaction". So I use my credit card for everything, EXCEPT for transactions where I know I will not be able to get a receipt. Which is limited to this one vending machine at work.

But that's for US-based cards. Sure, before I got my first US credit card I had to balance between debit or using my foreign CC, and debit typically won. As for my Canadian debit cards (any other country I have a banking account in it's all e-banking), since Interac is practically the only debit network in Canada, they require Chip + PIN, AND it's fairly easy to get an app from your bank that keeps track of your transactions in real-time (for both debit and credit cards), I have less qualms about using debit in Canada (especially since debit remains more popular than credit cards) and feel more secure in knowing that my card is less likely to be compromised. Having said that, I use credit cards for nearly everything as well, just because I have limits on the number of transactions I can make with my banking accounts in Canada. (And yes, I've had to fork up charges for going over my transaction limit in Canada, due to making too many debit payments in a month.)
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