#Debit card

[supremefleadon]

[thezestycard]

Hiya it's your famous debit card

He him pronouns dude!

Ask feel free girlie

((HIYA ITS ME @millylostintheosc I made

this account finally reblogs and m!as are encouraged!! Just don't ask any nsfw questions have fun!)))

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Clip over and action when it's an ask

The speakery when I'm talking to purse

@zee-thezebra I edited the intro

[nea-dot-im]

... Ok, I just saw an Instagram reel of someone looking confused at a credit card bill and why they "needed to pay twice", while their mom was recording, laughing while shaking her head in disbelief, and still not properly explaining what a credit card, or the bill is. So if you're someone young who's been sheltered from the world of money, here's some info on how it works:

There are 2 types of payment cards, debit and credit.

What is a Debit Card?

With debit cards, they pull money from your account directly, and you don't get a bill to pay later, it's paid on the fly. In Sweden (and most of Europe I believe), the norm is for overdraft to not be possible in most circumstances, but in the US, I think overdraft is easy to happen, with heavy fees as a result.

What is Overdraft?

Overdraft is when you don't have enough money in your account, but still buy something so your account balance goes negative. This can happen either because the banks are greedy, just let's you do it, so they can charge you out of the ass for accidentally doing it (the US model), or because the terminal had temporary connectivity issues and had to do an offline payment batching the transaction for later (the times I've had it happen in Sweden). If you're in the US and you have a card that says "debit" on it, I'd suggest looking up how to disable overdraft on it at your bank.

If your bank account is negative, you should fix that asap, as the overdraft fees will accumulate and snowball!

What is a Credit Card?

Credit cards are cards where you basically take out a small loan every time you buy an item, and then pay the credit card company at the end of the month. Some cards claim "unlimited", which is not "how much money is in your account", but "how much money you're allowed to borrow". You still have to pay that money when the bill comes.

Which is better?

I would mostly advise people to use debit cards, in places with a somewhat sane standard of consumer protection laws (I don't even have a credit card, I only have debit cards). It's easy to understand what money you have, how much you have left, and plan around that.

But then... The US makes things messy

In the US, you have some caveats which throw off what should be something quite simple: Credit scores and weird consumer protection laws.

Credit cards have in some cases taken over the role of consumer protection in the states, meaning you have a lot more protection against scams and similar with a credit card than a debit card. You can dispute a payment on your credit card and get out of actually paying for the thing you never got, for instance, but disputing a payment on your debit card and getting money back isn't as easy.

Credit cards are also how you accumulate credit score, which is what dictates your ability to take out (big) loans, like when you buy a house with a mortgage or car etc. And I do believe also when entering certain contracts like lease for an apartment. Meaning having a credit score is quite important, and using a credit card is basically a necessity

[bitchesgetriches]

Hello Bitches,

I’m wondering if you have any posts you can link me to on choosing a new bank? I’m past due to change after moving a few states away from the local bank my family uses, but I’m nervous about selecting a new one. I’m in North Carolina, and considering two state banks. One is recommended to me by some close friends, but another has a great introductory offer. What should I look for and what should scare me away?

Absolutely, my lamb! We've got plenty of answers about your options and how to choose at our how-to guide, below.

How the Hell Does One Open a Bank Account? Asking for a Friend.

And good luck! This process is easier than you think.

Did we just help you out? Tip us!

[winterthebeau]

hi everyone, so i just got a scam text that mentioned the first four digits of my debit card, and they were correct. but i looked it up, and apparently the bank that you use is identified by the first 6-9 digits of your card number, so if scammers know what bank you use they can pretty easily figure out the first four digits of your debit card. i just figured id share since i didnt know this and i cant be the only one.

[docsfallfromgrace]

im so confused did anyone else’s parents just never teach them how credit or debit cards work

like im so confused someone please explain this to me im trying to be more independent so i can work towards moving out slowly ☠️

[izibella]

i got the all metal cashapp card for $50 today in the mail. gotta say i love it lol even tho its just a goofy novelty flex

[supremefleadon]

[ventxekart]

Got to love Terry Crews!

[mamacoops-world]

Walmart MoneyCard is great! Use my link and we both get rewarded. https://share.walmartmoneycard.com/mamacoopstreasures!1d97f324d6!n

[inqalabgraphics]

RedotPay App – Fast, Secure, and Ultimate Debit Card Online Digital Payments Solution

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[thedeathwitchescats]

I will actually never get a credit card bc my dumb ass would rack up like 6k in debt without noticing and I just really dont have that in me. Debit girlie fl actually

[alessandrodecrypto]

New Web3 Crypto Chainbank Presale Token To Buy Now!! HUGE GAINS POSSIBLE!!

[goodjohnjr]

Waiting In Line & Getting Threatened By Former Classmates

File:Waiting in line at a food store.JPG In this dream I was outside a store, maybe a grocery store, during the day. I was waiting in line with someone, and other people. I noticed a former male classmate of mine in line in front of me, perhaps MJ. In front of him was his friend, who was possibly a former male classmate or male schoolmate of ours. I can not remember his name, but I remember…

[auxpay]

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