Places to use a credit card and not a debit card

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When paying for goods or services you usually have the option of using either a credit card or a debit card. We will below list reasons to why credit cards are better that debit cards.

1) Using a debit card to trade online is the same as giving direct account access to the merchant service and the people behind it. As debit cards are tied directly to your account they offer less protection than credit cards.

2) Deposits and guarantees are not not possible with debit cards as the amount you usually deposit as security is reserved on the card - a feature not possible with a debit card.

3) Buying now and paying later is again impossible with a debit card as the reserved amount is not possible. At the same time your dispute rights are minimized as the money drawn from the debit card are used money and not money you have as credit which you can dispute to your bank.

In general it is better to have a range of cards and be using payment systems such as paypal for online use as it secures you against fraud. Feel free to browse the forum for offers from companies and individuals regarding card offers.