I am very big into family, and I have a big family as well. 5 brothers and sisters (I'm the 5th of 6). 14 nieces and nephews (R Russell Patrick II joined us 10/13/13). 5 great-nephews & 6 great-nieces (Brooklyn Grace joined us 10/2/13). And no, with that many family members, I do not keep up with birthdays very well. Not well at ALL! Even with a master list on my fridge.
I'm also married. My husband and I got married here in San Antonio at the historic Sheraton Gunter Hotel downtown. And we are the proud parents of a 12 year old Alaskan Husky named Moo and three 1 year old kittens: Wicket, Willow, and Winter.
Like all Texas moms, I made my kid pose in the bluebonnets.
Photo courtesy: Shutterstock/iQoncept
So Debit basically means that the funds are taken out of your account immediately. Credit means that the transaction requires a signature and is processed by the credit card company and your funds may or may not be immediately taken out of your account. Sure I know this, but what I don’t know is when to use each one. And there are times when you should prefer one way the other.
Lifehacker.com is a great website that basically tells you how to do things easier. And they had some great thoughts on which to use when.
When you’re shopping online, use Credit. That’s because it’s easy to watch for fraudulent charges that you can dispute.
When traveling, use Credit. The added anti-fraud protection offered by credit cards can give you peace of mind if someone steals your card or harvests your card data. Also, your card may offer perks in traveling like discounts and frequent flyer miles.
If the other person/company needs to be paid immediately, use Debit. Debit is instant so it’s the fastest method of payment.
If you’re on a budget, use Debit. This will help you spend only what you have but still be protected in case someone steals your card and PIN number.
Look into other tips that can help you choose here.