Debit Cards

What are debit cards and why do you need one?

Debits cards can make paying for your everyday expenses a lot easier. They work just like a keycard or credit card, but any bloke off the street can get one by filling out a little form.

How does it work though?

You can’t actually borrow money with a debit card. Buying something takes a bit off your prepaid balance. You use it just like a credit card. A simple swipe will let you pay quickly and avoid the annoyances of checks or money. When your balance runs low, you just add more. It is very easy to reload your debit card, as most major brands have options to reload through a simple phone call or online service.

Where do they work?

Anywhere and everywhere, any place that takes your brand’s credit card will also take the debit card. If you can use a Visa credit card to buy a shirt, you can also use a Visa debit card to buy the same shirt. You also have to think of the vast online realm. Internet shops usually demand some form of card to pay. A debit card, a credit card, and a keycard are all equal in their eyes.

Why would you want to get a debit card then?

Well, it’s so people who can’t get (or don’t want) a credit card can still have the convenience of one. Do you really want to carry all of your money around with you? Wouldn’t it be much easier to have it loaded onto a card? Having a debit card will let you shop anywhere with ease, no matter what your credit history says.