So they are as solid, to which you are most in favor of plastic: credit card or debit card. There is no doubt benefit both of them: one has excellent protection against fraud, while the other prevents them into the spiral of too much debt. Since these two types of cards have their specific advantages, it really is a you prefer to have a role?
Surprisingly, yes. Read on to find out five reasons why pre-paid debit cards are far superior to credit cards!
1. Debit CardsDo you have any interest.
Depending on the creditworthiness of the consumer's history may credit an interest rate of 5% to up to 24% - and that's exactly why are superior to debit cards, credit cards. To make With every purchase with a credit card, it was like a loan with a very high interest rate. They would not accept a mortgage is not an interest rate of 18%, right? Debit cards have no interest, so it is not possible, you are throwing your money away you ever been aEquilibrium.
2. You're likely more responsible.
For some consumers, credit cards make it too easy to fall into debt because they are not considered "real" money. Are not loaded since prepaid debit cards with your own funds available, you are more inclined to keep spending under control, since it is now your actual bank account!
3. You can build your credit history.
Of course, the credit cards allow you to build a credit history - but with interest rates as high as they are today, why riskReally? You can increase your score just as easily as with a debit card without the interest of money for criminal charges!
4. They are safer than credit cards.
Sounds a bit backwards, but credit cards can be used fraudulently, much easier than debit cards. If you make an offline transaction with your prepaid debit card, you must enter your PIN number in order to ensure that the person, it is definitely with you. To do with a credit card, not even ask some dealersYou have a picture ID, so that there will be no escape for identity thieves - now that's scary!
5. You can avoid serious debt crisis.
This results from number two in this credit to make it far too easy to over-indebtedness case differently, and in extreme cases, even bankruptcy. Credit card debt has ruined many people's life easy - now that's heard the last time, debit cards, which this effect?
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