@outworld222 said:
@TheFlush said:
I only use my credit card to buy things online from overseas countries. And I pay as soon as I get my bill.
I never need to borrow money, I have enough on my bank account.
General question for US people: don't you simply use your bank card to pay for goods at the store? I rarely have cash on me, so I always pay using PIN transactions. It's so much more convenient. How do you usually pay in the US?
Well, here are a couple of scenarios in the US:
1) You actually are purchasing something over the internet: It's best not to put your debit card info there...
2) Gas Stations
3) Large purchases: Those can be disputed with the CC company if something goes wrong with the purchase (faulty equipment)
4) Points. These actually can be fun, you actually get cash everytime you make a payment.
5) You build nice credit, to but a Car or a House like someone said.
6) Many more reasons are available, I assume.
I have never been to the US so I don't know how it works.
But here in The Netherlands you use your regular bank card to make PIN transactions.
1. At the cash register of any store you swipe your regular bank card through the device.
2. You type in your 4 digit security code
3. The amount of money appears on the screen, you push ok
4. The amount is directly subtracted from your bank account.
So it's not a credit card and it's not a preloaded debit card either, it's just your bank card that's directly connected to your account.
Doesn't it work the same in the US?
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