Credit Card Forum
  1. #1
    Green Member
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    Dec 2009
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    Question debit or credit card? which one?

    my income is quite limited and my charges are usually pretty small (mostly for everyday things like groceries, dining out, etc. never for big purchases such as hotel and travel)

    but I do tend to overdraw or charge because I like to spend spend spend!!

    sooo, which card would be best for my income and spending?

    I probably need something that constantly updates my charges so I can keep track of my dailyspending, right?

    thank you
    Last edited by razeila; Dec 14, 09 at 6:44 pm. Reason: better wording
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  2. #2
    Centurion Member & Moderator Mogul of Pineapples's Avatar
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    Normally a credit card is best but in your case it sounds like you have trouble managing money, so I would recommend a debit card.
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. Regardless, anything I say is my honest opinion.

    Current Cards:
    American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
    Primary Everyday Card: American Express Blue Cash
    Primary Travel Card: Citi Thank You Premier
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  3. #3
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    *update*

    yes I had a talk with my employer recently (which would be my brother that I work with ) and we are both trying to come up with a better payroll timing for me (I get paid in cash) so I can pay my credit card bills on time at the beginning of the month

    I hope this will work out for me, I have tried many different ways to save money takes SOOO much discipline!!!!!

    wish me luck
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  4. #4
    Centurion Member & Moderator Mogul of Pineapples's Avatar
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    That's great your brother might be willing to work out an arrangement. I wish you the best, hopefully you're able to work something out!
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. Regardless, anything I say is my honest opinion.

    Current Cards:
    American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
    Primary Everyday Card: American Express Blue Cash
    Primary Travel Card: Citi Thank You Premier
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