Well good for you. Us poors in the US like them for what they’re worth.

Like what? That banks will make you instantly whole on card fraud to debit cards, and are legally required to do so? I like that too.

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epcoa 3 hours ago | parent [-]

In addition to nominal fraud prevention (and how is any debit card better) there’s nothing better to claw back transaction fees, so what the fuck am I supposed to do?

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tptacek 3 hours ago | parent [-]

I'm not saying debit cards are better at fraud prevention and response; I'm saying they're roughly equivalent. The downsides of credit cards are self-evident.

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criddell 2 hours ago | parent | next [-]

The downsides aren’t really self-evident to me. I’ve been using credit cards for everything I can for 35 years and I can’t think of any downsides. Even the cards I’ve had that had annual fees I chose to pay that fee because the benefits were worth more than the fee to me.

I can think of plenty of times where the upsides of having a credit card were realized though.

	▲	tptacek 2 hours ago \| parent [-]
		You don't know anybody in 5-figure+ credit card debt? I know several. I don't know anybody in debit card debt.

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epcoa 3 hours ago | parent | prev [-]

So maybe I’m wrong but the belief is that debit card protections are worse than a credit card in the US. I really don’t have the personal time to test this, but I do know that when I dispute on a credit card it is initially removed until proven valid.

Again maybe I’m wrong but I don’t agree they are equivalent. It sure fucking feels that way, the money isn’t threatened from my account.