@ccnewcc wrote:
@Repo-ed wrote:To protect my bank account from identiy theft.
Do you have a bank account from 1968??
In 2012, my bank accounts are fully protected from id theft and i am ZERO % responsible.
Time to fix your time machine, heh?
Are you also protected if your rent or mortgage bounces because somebody skimmed your debit card and tried to buy a TV, thus triggering an account lockdown? Are you willing to put the time and effort in to remove late fees for payments outside the bank, potentially remove negative information from your credit report, etc.?
http://www.npr.org/2012/10/24/163572774/crooks-target-barnes-and-nobles-pin-pad-devices
This happened in stores I had visited. It's not worth it to expose your checking account (i.e. your money) to the world of skimming/fraud if you can help it, just because your bank promises you that they'll look out for you. I do 99.9% of all my banking electronically, I keep my accounts as secure as possible with strong PW, 2-factor authentication where offered, alerts, etc. I take advantage of my banks' 1-time/fixed limit temporary number generators when offered and I have completely stopped using my primary debit card. I have a second checking account with a bank where I make cash deposits, and that money is a) limited and b) isolated from my main checking account.
Some may think it's excessive, but I promise myself I won't get taken advantage of.
Anyway, end of soapbox. I use CC exclusively for shopping protection, fraud/theft protection, rewards for spending and for the fact that CC spending (when handled responsibly) builds credit, while debit card spending does nothing but finance other people's CC rewards (through inflated prices).
If you say that cash is king, remember that your cash is going to finance my 3% swipe fee 
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@ccnewcc wrote:Oh okay.
Some ppl really hold on to the fact bank accounts are evil and CCs are the savior. Oh okay.
Well then why do you even have a bank account? Why not a prepaid card like bluebird or Amex prepaid?? huh?
Please tell me you're not serious. How long have people been using bank accounts? And how long have those Amex products been in existence? Are you able to withdraw more than a few thousand per month from a Bluebird account? Are you able to withdraw cash from an ATM without a fee? Is Bluebird or Amex prepaid accepted everywhere? Is the money in these accounts insured by the FDIC?
Aren't you the same person that was trying to convince me that utilization ratio doesn't matter in my credit profile?
How did you become Generic and I become Hilling and FDIC become FIDE? You seriously need to take a break man. 
@HiLine wrote:How did you become Generic and I become Hilling and FDIC become FIDE? You seriously need to take a break man.
Good one.
Okay i understand how forums work. Always looking for the last word. You may have it.
And, by all means, keep trying bring up stuff to instigate things like discoloring a statement "Aren't you the same person that was trying to convince me that utilization ratio doesn't matter in my credit profile?"
That Report button is not to far away.
Ready....set....go! [Hiline gets the last word]
Simply wanted to point out that your logic tends to work differently from most people's. I painted the last sentence white to avoid people from seeing it and let you ignore it if you so choose, but apparently you chose to re-color and emphasize it - not sure why, but of course that was your decision.
Merry Christmas!