Do I need a Visa Credit Card if I have Visa Debit?

skins1979

Hi there,

Please only answer if you know. I was wondering if there is any point in keeping my (zero balance) visa credit card going if I have funds in 2 bank accounts with visa debit cards. I don't envisage needing the credit facility and will just get a visa credit card as and when I do.

Are there any occasions where Visa Debit is not acceptable but Visa Credit is e.g. hiring a car abroad?

Thanks in advance

Tixy

A lot of car hire companies do require a credit card.

A credit card also gives much better purchase protection than the visa debit card chargeback scheme. So could be useful for this - eg for online purchases or large purchases.

Another reason for keeping the card could be that by having a credit card (and using it occasionally/paying off in full) helps you maintain a positive credit history - which can make getting new credit / mortgages etc easier. If you already have other credit accounts open that you use regularly then this might not be an issue to you, but if this is your only revolving credit account then it could be worth keeping it open.

[Deleted User]

Also remember that spending overseas *can* (although check your individual cards) be cheaper on a credit card than a debit.