Credit Card or Debit Card ?

redpete

sfax wrote: »

Because it's harder to keep track of how much money you have left each month and you might spend too much and go overdrawn when your CC direct debit kicks in. I assume that this is the OP's concern.

Can't see that it's really that much more difficult to keep a running total of spending on the CC and subtract that from the current account balance than it is to keep checking the current account balance if just using the DC.

sfax

redpete wrote: »

Can't see that it's really that much more difficult to keep a running total of spending on the CC and subtract that from the current account balance than it is to keep checking the current account balance if just using the DC.

I didn't say it was much more difficult but in reality, very few people do this. People want an up to date balance that tells them where they are at. Not one cleared balance and some pending transactions on 2 separate accounts that they have to reconcile every day. Hence the comment on margin for error