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Credit card as a check card.

Established Contributor

Re: Credit card as a check card.


cheetara79 wrote:
To the Original Poster:  You remind me of myself when I got my first credit card!  I used it exclusively for several years and now its my highest credit limit (CL).  I definitely feel rewarded for my loyalty and good standing.  Sounds like you are too with those rewards points.  Don't see anything wrong myself, though I'm no expert, just another consumer like yourself.  Just my 2 cents -  I have never had it happen to me, but a friend of mine had his credit card # stolen by an employee of a local merchant.  I think if the business is well-established or you've done business there before there is less of a resk, but just be aware when you're in a new place to note anything unusual they do (like copying the card, etc) and keep an eye on your credit reports via one of the many monitoring services here to **bleep** anything in the bud. 

Boy if I ever have my number stolen I would rather it be a cc than my debit card. I don't use a card in fast food lines because you can not see what they are doing in some drive thrus. BTW I use my cc card on every wed to buy groceries and pay it off on friday....rotating between each card....that way everyone gets my luv and hopefully I get some back! A couple of our cards have already bumped our CL's.

Message 11 of 13
Moderator Emerita

Re: Credit card as a check card.

A whole lot of debit cards had to be closed and reissued in our town two years ago. Several waiters/ waitresses (cannot type "waitpersons", even if I am a rabid feminist) worked together to steal info from debit cards and they started draining accounts. The banks and CU's involved figured it out pretty quickly and reissued cards, but it was the week that spring break began for our local huge state university. Lots of drama from young, pale East Tennesseeans down in Daytona and Cancun when their plastic stopped working. Smiley Tongue

I only use my debit card to print cash out of the ATM machine and to make occasional liquid purchases from merchants who might be targeted by CC issuers. Smiley Wink
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 12 of 13
Established Contributor

Re: Credit card as a check card.

I put all bills, with the exception of my car payment, and purchases on rewards cards.  I rarely use my debit card.
Message 13 of 13