If I get a credit card and pay off the money before the month is over, is it really that different from a debit card?

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What you have described here is the ideal credit card situation. Use it and pay off the balance in full ~~wash~~ each statement. It’ll help you build credit and is a layer of protection between bad guys and your bank account.

mineForTheNight

If you use your debit card at a gas station that has a skimmer the thief has full access to your bank account balance. If they take it, good luck getting it back quickly. If you use a credit card, the credit card company will void the transaction and you will owe nothing. Peace of mind is worth having the CC. Also it is sometimes difficult to rent a car without a credit card. If you can do It with a debit card, you might get charged a big deposit. Edited to clear up confusion.

Gomer2280

>If I get a credit card and pay off the money before the month is over, is it really that different from a debit card? Nope. That’s the point. >But isn’t a credit card better for always knowing how much money you have in your bank account? I guess you could look at it this way. You just have to monitor both your credit balance and your cash balance to know your net cash position

Werewolfdad

Yeah, it’s much better. You get a free zero-interest loan for a short period Of time. You get significant added security. You build credit. You get credit card rewards. And you have the option of not paying it off in case an emergency arises but you still have your money because you haven’t paid the debt yet.

dicorci

The credit card gives far more protections and you can gain rewards.

pocketbookashtray