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With credit cards the disputed charges will still decrease your credit limit, no? So the functional difference is much smaller than you think.
by 988747 4y ago
With credit cards the disputed charges will still decrease your credit limit, no? So the functional difference is much smaller than you think.
- magicalhippo 4y agoAnd unlike a credit card, it's easy to vary the risk/limit with a debit card. Just keep the main funds on a separate, non-card accound, and transfer to the debit card account as needed. I usually keep around $200 on my debit card, which means I lose at most $200. This way I also get a sense of my spending in terms of how often I have to transfer. If I need to pay for more, I just transfer before paying. Takes me about 2 seconds with an SMS or through the bank app.