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Do you use a credit card or a debit card for your online purchases?
polkasquares
Posts: 21 Forumite
in Credit cards
Do you use a credit card or a debit card for your online purchases? What are the pros and cons of using a credit card or a debit card for online purchases? Which one gives you better protection?
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Comments
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Credit card to all.3
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Credit card all the time3
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Both give you the same chargeback rights.polkasquares said:Do you use a credit card or a debit card for your online purchases? What are the pros and cons of using a credit card or a debit card for online purchases? Which one gives you better protection?
Credit Card may give you S75, so long as you purchase meets any criteria for a claim.
In reality it all depends on what you are buying.
Large expensive goods Credit Card.
The rest take your pick, it make little/no difference.Life in the slow lane0 -
Credit card for all non-cash transactions - debit card for cash transactions. Then pay the credit card in full every month.2
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Debit card as it's under £50 I spend online.Mortgage started 2020, aiming to clear it in 2026.0
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Credit card - every little helps towards cashback. Pay off in full each month.I’m a Forum Ambassador and I support the Forum Team on the Credit Cards and Budgeting & Bank Accounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.1 -
I would like to ask those who use a debit card why they choose that method. Of course, it's a free choice - I'm not trying to say otherwise - but I can't see any disadvantage in using a credit card all the time, and there are sometimes advantages (S75, cashback). To me it just complicates matters to have to decide which to use for each transaction. If there were ever any advantages to a debit card (say, for small value transactions) then I would, but there are none! Well, at least not as far as I can see, which is why I ask the question.1
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Debit card helps control some people's spending as their balance will go down in "real" time on their associated account.
Credit card, you can get carried away and spend, spend, spend.
I prefer credit card for online transactions though tbf.0 -
Used to be co-op debit card if under a tenner to get the 5p bonus. Not worth it now it's decreased to 2p.
So now Barclaycard cashback credit card for everything.0 -
Seems a few answers that are not what the Op was asking..
>>> Which one gives you better protection? <<<Life in the slow lane1
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