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> With the opening of this Mumbai region, Indian customers are now able to buy these services directly in Indian rupees. Somewhat related: I was forced to swit

> With the opening of this Mumbai region, Indian customers are now able to buy these services directly in Indian rupees. Somewhat related: I was forced to switch to GCP for hosting my static website because of lack of payment options. AWS doesn't allow you to prepay. The only way to settle your dues is using a credit card. My international debit card usually works everywhere but it didn't in case of AWS. I never felt the need to get a credit card. I had to waste many hours in moving to GCP because there wasn't a way I could use to pay. It's funny how I have failed often to buy something online because payment options are not international friendly. Latest in this case was New Yorker subscription. Every address combination I tried said the same thing: "Address is invalid", even though I had ticked the option for International subscription. Support was hopeless and in the end, I had to go without it. It's like I am saying, "Shut up and take my money" and people at the other end are tone-deaf to it.

lovelearning 9y ago
"I never felt the need to get a credit card" IMO, credit cards are less damaging to you in case of misuse. If your debit card is stolen or its details are stolen from websites, you are at risk of losing your money directly from your bank account and recovering it may not be easy. You're at the mercy of the bank to compensate you, and most banks insist on formalities such as filing a police complaint. Good luck with that if the misuse happens from some other country. If the same happens with a credit card, you can dispute it without actually losing any money.
- oblio 9y ago
  You just tie the debit card to an account where you limit the money available. Even if they steal it, they can only use N currency.
- Symbiote 9y ago
  A blanket statement like that isn't very useful without giving the country. Protection for the customer varies widely around the world; I trust that the Danish system would work out fine for me. (Additionaly, if my debit card is stolen it's of limited use without my PIN.)
- a012 9y ago
  Credit cards fraud protection is varied country by country. I've been fucked by stolen info (just card number) and lost around $300. Disputed to my bank and in their generalize respond is "fuck you pay me". I never trust any banks anymore, I'll avoid banking at all if possible.
  - gruez 9y ago
    What jurisdiction is this? Because this is definitely not the protocol in the US
tehlike 9y ago
I am always curious about why people don't use credit cards more. Would you please explain your reason?
- pzduniak 9y ago
  In some countries you won't get a credit card if your employment has gaps etc. - and debit cards serve the exact same purpose as credit cards, just with different billing model.
- shubhamjain 9y ago
  I recently got my first card. Before that, I had tried applying for two but got rejected for some random reason. It's a pain to navigate through the banking bureaucracy, so I didn't try hard. Because debit cards worked fine always, even for International transactions, I never felt a strong need to get one.
- raverbashing 9y ago
  Credit cards are much less used outside of the US (one of the reasons is that the US banking system is Jurassic, but only one of the reasons) Other reasons is limiting credit exposure/can't get credit for it Debit cards work online in some places or you have a different way of paying
  - tehlike 9y ago
    I dont see how credit cards are indication of jurrassic banking system. I know of other examples where it is, but credit card is probably not one if them besides chip and pin vs chip and signature.
- azurezyq 9y ago
  China is almost credit card free now, except for things like pre-auth at hotels. People use apps like alipay or wechat to pay everything. They have the following advantages: * Easy to use, you always carry your phone. * Never expire. * Password protected, card number and CVV are fragile. * Works without a POS. Basically in China QR-codes on paper are everywhere. * Online payment is super easy, you won't need to type billing addresses, etc.
batuhanicoz 9y ago
In Turkey, I'm using a bank called Garanti. They give you one virtual MasterCard, linked to your normal cash accounts. Allows you to transfer money to the card and back, no charge and instantly. And I haven't encountered anywhere where I can't use it, unlike my debit card where only a few online places accept it.

lovelearning 9y ago

"I never felt the need to get a credit card" IMO, credit cards are less damaging to you in case of misuse. If your debit card is stolen or its details are stolen from websites, you are at risk of losing your money directly from your bank account and recovering it may not be easy. You're at the mercy of the bank to compensate you, and most banks insist on formalities such as filing a police complaint. Good luck with that if the misuse happens from some other country. If the same happens with a credit card, you can dispute it without actually losing any money.

oblio 9y ago
You just tie the debit card to an account where you limit the money available. Even if they steal it, they can only use N currency.
Symbiote 9y ago
A blanket statement like that isn't very useful without giving the country. Protection for the customer varies widely around the world; I trust that the Danish system would work out fine for me. (Additionaly, if my debit card is stolen it's of limited use without my PIN.)
a012 9y ago
Credit cards fraud protection is varied country by country. I've been fucked by stolen info (just card number) and lost around $300. Disputed to my bank and in their generalize respond is "fuck you pay me". I never trust any banks anymore, I'll avoid banking at all if possible.
- gruez 9y ago
  What jurisdiction is this? Because this is definitely not the protocol in the US

tehlike 9y ago

I am always curious about why people don't use credit cards more. Would you please explain your reason?

pzduniak 9y ago
In some countries you won't get a credit card if your employment has gaps etc. - and debit cards serve the exact same purpose as credit cards, just with different billing model.
shubhamjain 9y ago
I recently got my first card. Before that, I had tried applying for two but got rejected for some random reason. It's a pain to navigate through the banking bureaucracy, so I didn't try hard. Because debit cards worked fine always, even for International transactions, I never felt a strong need to get one.
raverbashing 9y ago
Credit cards are much less used outside of the US (one of the reasons is that the US banking system is Jurassic, but only one of the reasons) Other reasons is limiting credit exposure/can't get credit for it Debit cards work online in some places or you have a different way of paying
- tehlike 9y ago
  I dont see how credit cards are indication of jurrassic banking system. I know of other examples where it is, but credit card is probably not one if them besides chip and pin vs chip and signature.
azurezyq 9y ago
China is almost credit card free now, except for things like pre-auth at hotels. People use apps like alipay or wechat to pay everything. They have the following advantages: * Easy to use, you always carry your phone. * Never expire. * Password protected, card number and CVV are fragile. * Works without a POS. Basically in China QR-codes on paper are everywhere. * Online payment is super easy, you won't need to type billing addresses, etc.

batuhanicoz 9y ago

In Turkey, I'm using a bank called Garanti. They give you one virtual MasterCard, linked to your normal cash accounts. Allows you to transfer money to the card and back, no charge and instantly. And I haven't encountered anywhere where I can't use it, unlike my debit card where only a few online places accept it.