When is a Debit Card better than a Credit Card?


Just read a post in another thread from a user who prefers to use a Debit Card in hotels, because they seem to think this reduces the risk of the hotel trumping up additional fees to charge to the card.

I didn’t understand the logic behind that statement, but it set me thinking – is there ever a scenario where using a Debit Card would be preferable to using a Credit Card?

I can think of only 3 reasons I would ever choose to use a Debit over a Credit Card: (1) if the merchant doesn’t accept credit cards for a particular payment, (2) if I have insufficient available credit, or (3) if the transaction would be treated as “cash” and hence attract fees and/or interest if paid with a Credit Card.

Are there any others?

2018 Wombling Contestant 11: £2.32 (31/01/18)


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