Question by : What are the benefits of having a debit card? Can you list about 5 or more benefite of having a debit card, stuff like its safer ....etc I don't want a comparison to credit cards just list reasons why a debit card is a good alternative to cash I am asking this because i really want one and when my dad asks why do i need one? i am sort of stuck there, and i cant think! I do have reasons but i need some good solid ones, PLEASE Best answer for What are the benefits of having a debit card?:
Answer by Jimmmminy
Well, ask yourself why you want one in the first place. If you need a debit card rather than cash, there must be a reason? If so, there's your answer.
Answer by JIM
Not sure where you are, but here in England it is not possible to have a debit card without a bank account. The debit card serves as an electronic check book - you pay for something with your debit card and the funds are automatically taken from your bank account. A card that you put money on (without having a bank account) is actually a prepaid credit card.
Answer by Tran Nguyen
Debit cards are much more safer, you don't have to pay tax (i think) and you're basically using your own saving account so if you go over, there is really no worry. But credit cards you have to pay tax and if you go over you have to pay all the money back, with intrest. Say if you are stuck in the City with no money, you can rely on your debit card to withdraw some money so you can get home safely. I think that debit cards is like a back-up of your money. If you run out you can always rely on your debit card.
Answer by Mike
if you have a DEBIT card, it means you only spend the money that you have. not like a credit card where you buy shit loads, find yourself in debt and then your screwed.
Answer by Carlos
1- Its safer then cash (theft) 2- You can buy things online 3- Chase debit card can earn cash back or points (annual fee but pays off if you use it instead of cash) 4- You can track your purchases online and track your spendings 5- You cant get in to debt if you don't allow overdraft (spending more then what you have) the bad thing about debit cards is that they don't build up credit
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There are many people in Australia who have been subjected to a lot of bombardment of cold calls from various banks and various financial institutions urging them to take a credit card. In many such cases people have actually been frustrated to the limit that they have complained to the authorities in order for a bank to stop calling them. People nowadays have been earning a lot of money particularly in Australia as people are now spending a lot also.
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