Which do you prefer Debit Card, PrePaid Debit Card, Credit Card or Charge Card?

[squirrelgirl44]

I actually prefer cash. But if I really HAVE to use a card, I prefer a credit card. Only because things aren't directly pulled out of my checking account. I only have one card with a $500 limit so I don't really get in trouble with it.

[lkeys81]

I like to use debit card.. I know how much I have in the bank and don't have to worried about paying it back like with credit cards.

[kaitsilva]

I go for the Debit Card. It's really easy to use and I'm good at keep tabs on my bank account, so I've never actually withdraw too much. I know that can be a downfall for some people. For me, it's free and easy!

[Adroden2010]

I like my debit card....i can manage my money without going over...

[momoney555]

I think using a debit card gives you maximum control over your spending.  No high interest bills.  You are forced to stay within your own set limits and you always know exactly how much and for what you have spent your money. You also learn to use caution with impulse spending and ask yourself "do I really need this?" before you buy. On the other hand, Credit cards are lethal!

[thtrngng]

I prefer debit card, so that I won't have to worruy about spending more than I have. I just hate to owe anyone.

[timvolley]

i like using debit cards now on small items and i also need to use this to receive interest on my checking account.

[lvstephanie]

If you are good and can pay the balance in full each month, then credit cards can actually b the best. A lot (esp. for those with good credit, which you'd have paying off every month) have bonuses (air miles, cash back etc) which make ur purchases cost less when u factor in those extras. But knowing me, I have to go with debit cards so I don't get huge interest rates.

[jnjmolly]

I only use a Debit card cause I actually use the money I have in the bank instead of charging it to a credit card and getting a big bill!

[twol]

Usually credit card... for school fees and such.

[torch71]

Debit card!  I rarely carry more than $5 in cash.

[Phx0808]

Debit cards are best. I just they would have the same protection that credit cards get when making purchases.

If I order something using a credit card and it turns out to be crap. The company won't issue a refund.
I can call my credit card company and dispute the charge, and have it held up until a resolution is made.

If I did the same thing with a debit card, I am S.O.L. or have to take the company to court.  

[donnitab]

I prefer to use my debit card most of the time.

[rghvac69]

I prefer to use cash, but if I have to use a credit card I always pay it off at the end of the month.

[bungholiotgn]

I prefer my credit card. I am good with my money and making sure I keep my spendings in order. I pay the bill off in FULL everytime it is due and have yet to pay any interest in the past six years or so. Plus I earn cashback with it. Win Win situation for me.