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I have... a debit card, a credit card, a backup credit card and my corporate card I would love a positively fail safe solution to get this down to one card, b

I have... a debit card, a credit card, a backup credit card and my corporate card I would love a positively fail safe solution to get this down to one card, but to be honest, neither of these top stories offer that. Because at the end of the day, the most common reason for failure in my standard use case is user error on my part.

nawitus 13y ago
European cards are typically a combined credit and debit card, so that's one less card alraedy.
- vidyesh 13y ago
  Oh so your bank issues a debit and credit card merged together? How does that work? This sounds fascinating. I am from India, I have multiple cards but most because there is a surge of credit card offers in India, most banks are providing free credit cards and offers to get people signed up. So many of those cards are just used to utilise those offers to get discounts and a certain select websites for discounts. But I practically use my debit card, a credit card hooked to online payment services ( paypal et all ) and a backup credit card when I cross the limit of my other credit card. That's all. One other card I use is just when dining out in which I get some % discount/cash back offers thats all.
  - jnsaff2 13y ago
    They have it in Australia too for a long time. The ATM and POS terminal asks you: Credit/Savings/Checking or smth.
    - surreal 13y ago
      I've seen this in some countries in mainland Europe. Problem was it asked me on my regular UK debit card, had no idea what to choose, trial and error until one of them didn't spit my card out... Thanks for enlightening me
  - mikkom 13y ago
    > Oh so your bank issues a debit and credit card merged together? How does that work? This sounds fascinating. It works just like any other card, you just select which one you want to use when you make a payment. Here is an example of how it looks like http://handelsbanken.fi/shb/inet/icentfi.nsf/vlookuppics/10_kortit_visa_credit_debit_sin_190x190/$file/visa_cd_sin_190x190.jpg http://handelsbanken.fi/shb/inet/icentfi.nsf/vlookuppics/10_...
    - OafTobark 13y ago
      How do you select? In the US, a debit card can be charged like a credit card but the funds are obviously deducted from the balance on your bank account. It also lacks the protection and rewards that a typical credit card would have. I just want to clarify that you indeed have two separate things here on one card and its nothing like how the US does it correct?
      - lflux 13y ago
        On the chip&pin terminal when you enter pin and ok the transaction, there's a selection for "debit" or "credit".
        deleted 13y ago
        [deleted]
      - mikkom 13y ago
        Yes they are separate, debit uses my bank account directly and credit is invoiced every month separately. The selection process is very simple, you just put your card into the machine (almost all the cards nowadays are chip based nowadays but there is also a magnetic reader usually on the right), something like this http://data.talka.com/files/Yomnani.JPG http://data.talka.com/files/Yomnani.JPG then the machine shows amount and you select 1) Credit 2) Debit Then it asks for pin and that's it.
        neil_s 13y ago
        I'm an Indian living in the UK and don't have this figured out yet. What's the difference when you select to pay by credit, if the balance is paid automatically from your account at the end of the month, instead of being debited immediately from your account? Or do you have to manually pay back your balance?
  - eloisant 13y ago
    It's pretty annoying because all I want is a debit card, I don't want a credit card but my bank forced me this kind of dual card.
- superuser2 13y ago
  Most American banks offer a debit card which is functionally identical to credit from a seller's perspective, but it is still debit (and thus does not attain rewards or build your credit history, also disappears from your bank account immediately).
- davedx 13y ago
  Not ING in the Netherlands. I have an ING bank pass and an ING credit card, and I didn't see any option for combining them, unfortunately.

nawitus 13y ago

European cards are typically a combined credit and debit card, so that's one less card alraedy.

vidyesh 13y ago
Oh so your bank issues a debit and credit card merged together? How does that work? This sounds fascinating. I am from India, I have multiple cards but most because there is a surge of credit card offers in India, most banks are providing free credit cards and offers to get people signed up. So many of those cards are just used to utilise those offers to get discounts and a certain select websites for discounts. But I practically use my debit card, a credit card hooked to online payment services ( paypal et all ) and a backup credit card when I cross the limit of my other credit card. That's all. One other card I use is just when dining out in which I get some % discount/cash back offers thats all.
- jnsaff2 13y ago
  They have it in Australia too for a long time. The ATM and POS terminal asks you: Credit/Savings/Checking or smth.
  - surreal 13y ago
    I've seen this in some countries in mainland Europe. Problem was it asked me on my regular UK debit card, had no idea what to choose, trial and error until one of them didn't spit my card out... Thanks for enlightening me
- mikkom 13y ago
  > Oh so your bank issues a debit and credit card merged together? How does that work? This sounds fascinating. It works just like any other card, you just select which one you want to use when you make a payment. Here is an example of how it looks like http://handelsbanken.fi/shb/inet/icentfi.nsf/vlookuppics/10_kortit_visa_credit_debit_sin_190x190/$file/visa_cd_sin_190x190.jpg http://handelsbanken.fi/shb/inet/icentfi.nsf/vlookuppics/10_...
  - OafTobark 13y ago
    How do you select? In the US, a debit card can be charged like a credit card but the funds are obviously deducted from the balance on your bank account. It also lacks the protection and rewards that a typical credit card would have. I just want to clarify that you indeed have two separate things here on one card and its nothing like how the US does it correct?
    - lflux 13y ago
      On the chip&pin terminal when you enter pin and ok the transaction, there's a selection for "debit" or "credit".
      - deleted 13y ago
        [deleted]
    - mikkom 13y ago
      Yes they are separate, debit uses my bank account directly and credit is invoiced every month separately. The selection process is very simple, you just put your card into the machine (almost all the cards nowadays are chip based nowadays but there is also a magnetic reader usually on the right), something like this http://data.talka.com/files/Yomnani.JPG http://data.talka.com/files/Yomnani.JPG then the machine shows amount and you select 1) Credit 2) Debit Then it asks for pin and that's it.
      - neil_s 13y ago
        I'm an Indian living in the UK and don't have this figured out yet. What's the difference when you select to pay by credit, if the balance is paid automatically from your account at the end of the month, instead of being debited immediately from your account? Or do you have to manually pay back your balance?
- eloisant 13y ago
  It's pretty annoying because all I want is a debit card, I don't want a credit card but my bank forced me this kind of dual card.
superuser2 13y ago
Most American banks offer a debit card which is functionally identical to credit from a seller's perspective, but it is still debit (and thus does not attain rewards or build your credit history, also disappears from your bank account immediately).
davedx 13y ago
Not ING in the Netherlands. I have an ING bank pass and an ING credit card, and I didn't see any option for combining them, unfortunately.