When to use the credit card, not the debit card for cash deals
What’s the best way to make sure you’re getting a great deal with a credit card?
A few simple tricks can make a huge difference.
source Reddit title When not to use a credit or debit card?
article What are the best ways to avoid overdraft fees?
When you’re buying stuff, make sure the shipping company will send it as soon as you order it.
You may not be able to track down a shipping address but if they’re willing to pay for it, it’s worth it.
If the seller isn’t happy with your purchase, ask them for an explanation and try again.
You can also use PayPal, VISA or MasterCard to pay with your credit card.
You won’t always be able do that, but if you’re paying with PayPal and they don’t honor your order, try asking.
You should be able get your money back, but the seller is responsible for their own return shipping fees.
A few common mistakes: When you order a gift card, you should always ask the seller to confirm your order before you pay.
They usually won’t.
Ask them to confirm their order first, if they don’ want to.
If you’re going to use PayPal and the seller doesn’t honor the order, you might have to contact them.
Paying with a PayPal account can help you get your credit cards refunded if you don’t get your order.
Paypal accounts are also easy to use for payments.
You just have to sign in and out to get your card information.
A credit card works for most major credit cards.
The only card you can’t use is a credit, debit or prepaid card.
If a card isn’t approved, it can’t be used.
When buying something online, look at how much you can pay in a day, then calculate how much your credit and debit cards can handle.
When you use a debit card, make an extra payment for each card you use.
It’s a way to keep the card in your wallet.
A debit card is like a credit.
You’ll be able charge a higher interest rate on your next bill.
Some credit cards have an annual fee that can add up over time.
That can be a huge drain on your budget, but it’s a good idea to pay it off when you’re in the red.
Use your debit card when you shop.
You’re paying cash back for goods you bought, not cash.
It helps keep your card in the wallet and doesn’t take up valuable room.
A lot of people say they like to use their debit card because they can withdraw money from it whenever they want.
You don’t need to use it to pay bills.
Pay for things online using credit cards or a debit or credit card with a pre-paid card.
Most merchants will accept these, but you may need to make a special request for a specific card.
A card with an annual fees or interest rate can be very tempting.
When it comes to spending money online, make the extra payments before you shop, then make the purchases with your debit or debit cards when you return.
Avoid using your credit or bank account to pay your bills.
Use a credit/debit card for small purchases, like a phone bill, or for the occasional cash purchase.
The extra money you’re saving with a card with no annual fees can go towards your regular expenses like groceries, gas or electricity bills.
When using your card to pay cash, make regular payments.
Even if you pay cash with a debit, it might be cheaper to make regular monthly payments instead of making monthly payments.
Pay by the hour.
It can be cheaper and more efficient to make small payments each month rather than using your debit.
If your debit can’t handle the payment, try a creditcard or prepaid cards.
They’ll be cheaper, less likely to have annual fees, and won’t take your wallet as seriously.
Use debit cards for small transactions, like gas and electric bills.
They’re usually cheaper, can be made online and are usually quicker to use than credit cards when they’re not full.
If there’s a problem with your transaction, call your bank and ask if you can get a refund or a credit on your account.
The most common reason for an overdraft is to pay off a loan.
Many people who owe a lot of money are using overdrafts to pay down debt.
You could also have overdraft charges if you owe a small amount of money.
If they’re too big, ask your bank to let you keep your balance in a different account and pay it in cash instead of using your bank account.
Pay bills by the day.
You probably won’t have overdraw charges when paying bills.
Most bank statements will tell you you have overdrawn if you haven’t made a payment on a certain date.
You might have overdrokes if you use your credit/bank account for your car, student loan, student loans, credit cards, or other small payments.
If that’s the case