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I have a confession to make. I’m a typical Gen-Y with lots of student debt and an aversion to credit cards. I only want to spend the money that I have, so I never applied for a credit card in college, although I do have an emergency card from my parents. Now that I’ve graduated and am out of college, I’m still on a budget and I don’t want to deal with the hassle of a credit card. I use my debit card for everything, which I’m learning can be a big mistake.
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Oct 09, 2012
4/25/2014 02:56 PM
I have heard that you should ALWAYS run your debit card as credit when making purchases as opposed to typing in a pin. My debit card has a Visa logo. My bank account (debit card) was hacked and I can attest to the fact that charges run through as "credit" fall under the Visa fraud guidelines and are much easier and faster to get back.
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