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Cythraul: I use my debit card for everything. I obviously take wild risks with my financial security.I had never heard of the $50.00 bank hold upon gas station transactions until a year or two ago. I was amazed that crap like that was legal.
SBinRR: It kind of sucks that my debit card has been to England and I haven't.
SkunkWerks: FTA: Another purchase to avoid with your debit card is big ticket items. Unlike credit card purchases, debit cards offer fewer protections and few dispute rights.Seems counter intuitive. I'd much rather protect money I actually have than money I don't have.
Flakeloaf: Makes perfect sense to me.
revman64: Hotels and rental car agencies are a couple of the worst places to use a debit card. Because of the many risks of charges on property at a hotel or damage you could inflict on your rental car, these businesses will often lock up large amounts of your account for 5-10 days until the actual charges clear. Best thing to do at either if you want to charge it to a debit card but also own a credit card is to use your credit card when you check in but change the payment to debit card at checkout for the actual amount. The more you know...
SBinRR: I guess getting unauthorized charges reversed is harder at some banks than others.We had a $1000 charge made on our debit card in London that was fixed the same day we reported it.It kind of sucks that my debit card has been to England and I haven't.
alywa: I can't stand it when people use their debit or credit cards at grocery stores. What a security risk. Besides, you don't care how much you are spending, and don't even try to get a good deal. Nope, I'm sticking with checks. There is nothing like deliberately writing out the amount, longhand for the numbers, and putting my good ol' Jonh Q. Alywa signature on the line. Of course, I have to wait until the cashier runs all the items, my coupons (doubles on Tuesday!), and then the little clerk has to get manager approval for my Chardonnay. Add in getting the bagboy to run over to service to get my Winstons. Finally, when I get my total (after bickering over the club card discount on Bounty towels), I pull out ol' big wallet. Being able to balance my register while waiting in line is nice too... always know to the cent how much BOA is holding for me.To all the people biatching in line... FU. This is my time. Don't like it? Use the self checkout.
Ohlookabutterfly: Wow are things ever backwards in the states. Mydebit card has never left my sight in a restaurant, don't you guys have wireless debit machines that the waitress brings to you down there?
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