Debit Card vs Credit Card
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Credit Card got more benefits of course.. but it really depends on your lifestyle.
From a practical point of view, it doesn't make sense to pay annual fees for a cred card (debit is mostly free) unless ur lifestyle calls for it. If u dun need it, why get it? If it's just a pretty piece of plastic u can flash to feel better than the rest, but u hardly utilise the card benefits, then it's quite pointless. -
Some credit card offer beyond points but acutally cash to help you offset your handphone bill. Mine is M1-Citibank so it make it worthwhile to spend more (necessary stuff) on credit card to get bonus cash to help pay me handphone bill. Tat is one good reason for me to get this card. And also activation of M1 auto-roaming for this credit card users is FREE unlimitedOriginally posted by spinsugar:From a practical point of view, it doesn't make sense to pay annual fees for a cred card (debit is mostly free) unless ur lifestyle calls for it. If u dun need it, why get it? If it's just a pretty piece of plastic u can flash to feel better than the rest, but u hardly utilise the card benefits, then it's quite pointless.
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Seems more platinium coloured than platinium benefits.Originally posted by FireIce:
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yesOriginally posted by nympho:I understand debit card will deduct the cash in yr account immediately, as oppose d to credit. But does a debit card user enjoy the same benefits ie. discounts, rebates, etc as a credit card user (of the same company ie. visa/master)? -
X 2Originally posted by beavan:actually if they ask u whether u have a UOB credit card, jus flash ur UOB debit card and they'll still let u get the discounts. i don't think the shops are very worried about this issue -
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ya leecherOriginally posted by FireIce: -
DBS debit got dining prvi.
Am thinking of getting one Master (DBS/Cap) and one Visa (UOB/OCBC). Just for convenience sake. Debit of course. Dun like the idea of spending future money. -
In Financial Accounting, Debit cash is to increase cash, Credit cash is to decrease cash. Debit revenue is to decrease revenue, Credit revenue is to increase revenue. Go figure! I damn tulan..
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u then kns. dbs make website kumlan one?Originally posted by VanillaIce:ya leecher
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debit is the best.. got money = use.. no money = stay at home..
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yea man..Originally posted by manjieass:debit is the best.. got money = use.. no money = stay at home.. -
got money = use..Originally posted by manjieass:debit is the best.. got money = use.. no money = stay at home..
no money = go earn lor.. -
if no job how??Originally posted by JZ21:got money = use..
no money = go earn lor.. -
find lor..Originally posted by alvin-ncs:if no job how?? -
no job want card for wat
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hmmmm...some ppl just want to act rich...Originally posted by FireIce:no job want card for wat
but some are for the benefits...
i aim for the benefits... -
Credit cards you can protest and with-hold payment for dubious transactions.
Debit cards your bank account is immediately debited.
Your protest will have no bite.
In fact with debit cards there is no need even to sign the transaction slip. The transaction goes through the moment the card is swiped in the reader, and the amount deducted from your bank account. Signing is just wayang. -
agree with u...Originally posted by mancha:Credit cards you can protest and with-hold payment for dubious transactions.
Debit cards your bank account is immediately debited.
Your protest will have no bite.
In fact with debit cards there is no need even to sign the transaction slip. The transaction goes through the moment the card is swiped in the reader, and the amount deducted from your bank account. Signing is just wayang.
sign never sign oso same...