Credit Card or Debit Card? - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Credit Card or Debit Card?

Mattitude Avatar
9y, 8m agoPosted 9 years, 8 months ago
Do you use a credit card or a debit card?

Whichever it is, what are your reasons for doing so?

Personally, I prefer debit since it means that I can't spend money I don't have, and I don't get extra charges on top making it more expensive in the long run.
Mattitude Avatar
9y, 8m agoPosted 9 years, 8 months ago
Options

All Comments

(35) Jump to unreadPost a comment
Comments/page:
#1
Credit, as if things go pear shaped with a transaction you have something to fall back on
#2
I use both, but debit is preferred.
#3
I'm same as you Matt, although creosote quite rightly pointed out credit cards offers more assurance than debit cards!
#4
Online - CC. Offline - Cash.
#5
Never use Cash or Debit Card.
I always use Credit Cards for everything I buy online or off.
#6
Stupid poll.
#7
Stupid poll.


I think that's a bit unnecessary.

If you don't like it just move on.
#8
use a credit card with cashback for your spending.
under£5000 Morgan stanley 1% upto £5000 and 0.5% there after
Amex over £5000 2% on what you spend
#9
I have used a debit card for everything for ages, cash sometimes when i'm out and about,but decided to sign up for a credit card last week, purely for a bit more safety when shopping online. Just don't like the idea of being able to spend money i haven't got, so need to be careful :)
#10
Only use debit cards now,;-) after being left with a 5 grand credit hangover by the ex:? :giggle:
#11
Use credit card for all purchases (cashback is nice thing). This is very useful for finance management as all spendings are listed in CC statement.
Use debit card when it is cheaper (such as DVLA) or no CC accepted.
Sometimes need to use charge card (Amex) but don't like it.
#12
fox2020
Only use debit cards now,;-) after being left with a 5 grand credit hangover by the ex:? :giggle:


jeeso foxy, i thought my ex was bad who left a £3800 debt for me
#13
saxo_appeal
jeeso foxy, i thought my ex was bad who left a £3800 debt for me


I now look back and have a laugh about it:cry:
#14
Online - CC. Offline - DC. Pubs - Cash!
1 Like #15
Online - DC, Offline - DC, Pub - tab, tramp in street - coppers, bagpipe player - walk past with funny limp as not to let him know i have change in my pocket, KFC - nudge Mrs.Saxo to get her purse out.
#16
saxo_appeal
tramp in street - coppers, bagpipe player - walk past with funny limp as not to let him know i have change in my pocket


You lying f##kin' B##tard!!!...just you wait 'til next time!!!
http://www.bbc.co.uk/nottingham/content/images/2005/08/25/tramp_master_361x470.gif

("funny limp"what?!?!)
#17
Credit for online, debit for offline - I prefer having the security of credit cards for online but prefer debit cards to keep easier track of spending.

John
#18
Even if I was to try for a credit card, I can't see myself being able to get it as you have to work don't you? (I can't for health reasons) My parents have tried a few times to get a credit card themselves though, however they got refused each time.
#19
I only use cash harder to trace and less chance of freud
#20
CHARLIETHIRTYTWO

("funny limp"what?!?!)


Have you never walked past a tramp and walked funny so your change didnt rattle about in your pocket and the guy says "any spare change" and you say .....well errrr no !! hehe
#21
saxo_appeal
Have you never walked past a tramp and walked funny so your change didnt rattle about in your pocket and the guy says "any spare change" and you say .....well errrr no !! hehe

No...None of my change is 'spare'...I have a use for all of it!!!
#22
According to my boss, I look like a tramp myself :) So no spare change in my pocket then.
#23
I use debit card, when that runs out, out comes the CC! :? :whistling:
#24
CHARLIETHIRTYTWO what's with the new AVATAR? - you look positively handsome (but hey I left me specks off)!!:w00t:

I use my Amex card wherever possible & get cash back.:roll:

When I go abroad I use my Nationwide debit & credit cards 'cos the exchange rates are brilliant.:thumbsup:
#25
I use both... Debit card for every day (well.. every month) stuff like food shopping, school lunch fees, council tax ect and the credit card for when stuff needs doing like if the car MOT comes in at a shocking amount or the cooker packs up (that happened recently ) then i can pay it back over a few months.

Caz
#26
2 credit cards - one with specifically low limit for internet transactions. The other much higher for larger 'in person' purchases if required. Debit card/cash for day to day purchases
#27
I use debit card because if I havent got the money then I cant spend it

However this is a problem when ordering online, at the moment I use mums credit card, but if I moved out I would be getting my own credit card for online purchases

I dont have to make any big payments as I am only 19 and living with parents, but if I did then I would use a credit card because you have some security if it goes wrong
#28
Online I pay with my credit card, offline - I pay with my debit.
#29
Credit Card when ever possible.

Way I see it is I get up to 50 interest free days this way and all the extra time my money can be sat in my e-savings earning interest.

If I can't afford to pay bill off in full I wouldn't have spent it in first place as I'm not borrowing on a credit card:roll:
banned#30
i generally use my debit card but sometimes my hubbys credit card if its something big online
#31
I also get CC Cashback and free 1 year extended warranty on all electricals over £50.
#32
I only use my debit card, i have had £28500 of debt and have declared myself bankrupt. So cant and WONT EVER need or use a credit card ever ever again!!
#33
I need to get a CC with cashback; I use my lloyds one occasionaly but they always cancel my direct debit and I have to go through a lot of hassle to claim back the fees etc. I get paid cash so usually just use that unlesss shopping online.
#34
debit card for day to day - cc for online over £100 - overdraft from 25th onwards - business chargecard for anything that could possibly be construed in anyway whatsoever as a business expense
[SIZE=2][/SIZE]
[SIZE=2]cc gets paid off every month even if I have to drag some money off ING - paying int on cc is a def nono[/SIZE]
#35
I buy almost everything on my Tesco credit card - to collect the points (it's one of the older ones, so attracts more points than the new ones). Each transaction is then paid off via online banking - so the bill doesn't go out of control at the end of the month, I know how much 'real' money i've still got, I collect extra clubcard points which are converted into deal at 4 times their value and I have the extra assurances of having paid for items on a credit card!!
The real bung comes from obtaining enough deal vouchers each quarter to pay for my annual MOT and service - the other 9 months pays for meals and days out etc!!

Everyone's a winner!

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!