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> There are some scenarios such as some car rentals, that are going to be difficult with a debit card, but if you don't need those things then you don't.) Hire

> There are some scenarios such as some car rentals, that are going to be difficult with a debit card, but if you don't need those things then you don't.) Hired a car in Canada just fine on my recent vacation to Canada. A whole trip, on debit. No Credit Card -- from Flights to AirBNB to arriving back home. Maybe back in the 90's, sure undeveloped nations probably; but that's a different scenario entirely. > * Unused credit limit increases your credit score. If you don't have credit cards your credit score is lower than it could be, which means you lose out on better rates and deals. No credit card and my score is high up there in the 90%'s. How do I know? I have a mortage where they do take scores in to account highly. If I had debt on my credit card I would too be losing points on my credit score if unpayments. > * The credit card regulations are more pro-consumer than debit card regulations, so if you ever experience fraud this may become relevant to you. In tech terms, a debit card is an open port to your bank account, a credit card is a firewall between your bank account and charges. Eh. Agree to Disagree. > This, however, is not true. You are certainly missing on a number of benefits. Obviously it's a choice to make, but it is not true to state you're not missing on anything. I still don't see what I'm missing. No one's named anything that is making me rush to get a credit card. $200 spending at Banana Republic? Yeah, no thanks. It works for some, and for me it doesn't. I see it as an evil device that you need to keep a tight check upon. Telling everyone to get a credit card is bad advice. It's a method of spending more money than what you really have and one with a both has advantages and disadvantages. The disadvantages way out more than advantages and as I said, if you can't pay, which is true to say for debit; your still better off on debit because with credit can take what you own regardless. Debit they can not.

jjav 3y ago
> Maybe back in the 90's, sure undeveloped nations probably; but that's a different scenario entirely. From the Avis website: Some Avis locations do not accept debit cards at the time of rental for any vehicle including locations in the Northern/Central NJ area, Philadelphia area, as well as other locations across the country. Now, sure, so don't rent Avis. But it shows these kinds of restrictions exist. > If I had debt on my credit card I would too be losing points on my credit score if unpayments. But if you have lots of unused credit on your credit cards if increases your credit score. It's a silly game but it's what it is. > > The credit card regulations are more pro-consumer than debit card regulations > Eh. Agree to Disagree. The regulations are written how they are, it's not a matter of opinion. You can choose not to care which is certainly your choice, but the regulations are what they are. > I still don't see what I'm missing. I guess you mean you choose not to care about the things you are missing, like leaving money on the table. Which is totally a choice, but surely you've now seen the benefits you're missing, even if you take the choice to opt out of them. > Telling everyone to get a credit card is bad advice. At least in the US, everything is biased towards making credit cards the optimal choice both to make and save money for all the reasons listed in this thread. For just about everyone, the best advice is to use credit cards.
- dragonwriter 3y ago
  > The regulations are written how they are, it's not a matter of opinion. “pro-consumer” is, inherently, a matter of opinion, not fact.
insanitybit 3y ago
> No one's named anything that is making me rush to get a credit card. $200 spending at Banana Republic? Yeah, no thanks. It was a random example. Lots of cards will just flat out give you hundreds of dollars. For example, I recall a card that would give $300 dollars to you if you spent some amount (maybe 2,000?) within 6 months. That's a free $300 bucks if you were going to spend that money anyways.
- doublerabbit 3y ago
  Do you have $2000 to spend in the first place? If yes, go ahead. If No, then why? Because if you spend $2000 you don't have you then owe the repayment clause. Which makes the $300 $280 and then even less each month until you pay off the $2000.
  - insanitybit 3y ago
    > Do you have $2000 to spend in the first place? From my post: > if you were going to spend that money anyways. Obviously if you weren't going to spend it anyways it's a waste.

jjav 3y ago

> Maybe back in the 90's, sure undeveloped nations probably; but that's a different scenario entirely. From the Avis website: Some Avis locations do not accept debit cards at the time of rental for any vehicle including locations in the Northern/Central NJ area, Philadelphia area, as well as other locations across the country. Now, sure, so don't rent Avis. But it shows these kinds of restrictions exist. > If I had debt on my credit card I would too be losing points on my credit score if unpayments. But if you have lots of unused credit on your credit cards if increases your credit score. It's a silly game but it's what it is. > > The credit card regulations are more pro-consumer than debit card regulations > Eh. Agree to Disagree. The regulations are written how they are, it's not a matter of opinion. You can choose not to care which is certainly your choice, but the regulations are what they are. > I still don't see what I'm missing. I guess you mean you choose not to care about the things you are missing, like leaving money on the table. Which is totally a choice, but surely you've now seen the benefits you're missing, even if you take the choice to opt out of them. > Telling everyone to get a credit card is bad advice. At least in the US, everything is biased towards making credit cards the optimal choice both to make and save money for all the reasons listed in this thread. For just about everyone, the best advice is to use credit cards.

dragonwriter 3y ago
> The regulations are written how they are, it's not a matter of opinion. “pro-consumer” is, inherently, a matter of opinion, not fact.

insanitybit 3y ago

> No one's named anything that is making me rush to get a credit card. $200 spending at Banana Republic? Yeah, no thanks. It was a random example. Lots of cards will just flat out give you hundreds of dollars. For example, I recall a card that would give $300 dollars to you if you spent some amount (maybe 2,000?) within 6 months. That's a free $300 bucks if you were going to spend that money anyways.

doublerabbit 3y ago
Do you have $2000 to spend in the first place? If yes, go ahead. If No, then why? Because if you spend $2000 you don't have you then owe the repayment clause. Which makes the $300 $280 and then even less each month until you pay off the $2000.
- insanitybit 3y ago
  > Do you have $2000 to spend in the first place? From my post: > if you were going to spend that money anyways. Obviously if you weren't going to spend it anyways it's a waste.