@barbaralee wrote:ATM and anything that would be considered a cash advance (which is very rare). My hubby has never consistently used a debit card. When he turned 18 his mom applied for a Capital One card for him, and his brother told him to use it to build his credit. The rest is history.
Hah wish my mom the accountant had done that for me, life might not have been better but it would've been different.
@Anonymous wrote:Not sure if this would be the place to ask, but it seems like a good thread just to pop a question in.
Just recently securing my first two cc's($200 Secured Cap1, and a $500 secured card from my bank), would it be safe to retire my debit card and use my credit cards. Then just PIF every month?
Up until this point I've used my debit card to pay for everything.
Yup! ASAP in my opinion.
The usual risk people mention is people start treating credit cards as free money; however, if you have the discipline just to PIF every month, there's much upside to using credit cards over debit ones and zero downside. Excellent start as well!
Overall, it seems most people here would recommend never using a debit card for routine purchases. I agree; a credit card is better. Forget the rewards, the fraud protection alone makes it a better choice. You are not liable for credti card fraud in the US. In some cases, you may be liable for some debit card fraud. Regardless, the money has already been removed (stolen) directly from your account.
However, to the OP's question: there is a case where I do sometimes use my debit cards for purchases: in Europe. I typically use my European Chip-and-PIN cards there, but debit cards work equally well, and I occasionally use them. (And the fraud liability works a bit differently there.)
I use it at the atm when the bank is closed to deposit checks/cash. 
Getting a bit dusty.
@Anonymous wrote:I use it at the atm when the bank is closed to deposit checks/cash.
There's probably an app for that 
.
The cash bit, yeah I just for whatever reason have never deposited cash via ATM which is a personal problem I'm sure.
Yeah, have it but it always gives me some sort of a problem. One customer, in particular, writes like a chicken. And she owns over 80 rental homes. So we get alot of biz from her. But the bank can't read her checks.
@Anonymous wrote:Yeah, have it but it always gives me some sort of a problem. One customer, in particular, writes like a chicken. And she owns over 80 rental homes. So we get alot of biz from her. But the bank can't read her checks.
Don't know what bank you use, but I run into the same thing when my Dad writes me a check. 
The app just can't read it (however, it has no problem with my Mom's handwriting!); the mobile deposit app is perfect for printed checks (ie- a paycheck) though.
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