Do you really want to spend another cent on interest being paid to a credit card company that is basically a legal mafia designed and constructed like a spider web to lure the unsuspecting public masses into its insidious feeding tactics? Do you want to contribute another dime to a faceless and loveless organization whose very survival and illusory existence depends on your continued unhappiness? No. Of course you don’t. That is why the credit card should never be your first choice, but should instead always only be used as a last resort.
The check card is a wonderful alternative to the credit card that has been implemented by most western banks today. It provides the same convenience as a credit card and yet it doesn’t carry any of the implications of interest which incur in a conventional credit card situation. The money is drawn directly from your bank account, and usually only the money you currently have in your account is the credit limit assigned to your card. This way you are protected from spending into a debt situation similar to the kind a traditional credit card company would otherwise be enticing you into.
You can usually use a check card just about anywhere that you can use a credit card and, as an added bonus, you can also use it as a debit card at some stores which allow pin code entry and this will generally ensure that no additional hidden fees will be incurred. Using it as a debit card in this way also ensures that the funds will be immediately transferred, which is a good way to protect from spending beyond your account’s currently capability in case you don’t keep good track of your spending. If used as a credit card, the funds may clear in a few days rather than immediately, so it would be possible to be overdrawn on your account if you aren’t watching your balance and spending accordingly.
You can also usually use a check card as an ATM card which means that you can easily make deposits and withdrawals and so forth from any convenient location. This makes it really easy to spend cash when you prefer to and also makes it easier to avoid overspending, and is obviously important if a shop only accepts cash. ATM’s seem to be just about everywhere now, so it is very convenient to shop in most areas.
There may be some occasions where a conventional credit card still comes in handy. It is certainly a great backup to have in any situation. There are certain businesses which sometimes prefer a credit card for renting items such as vehicles, yet they will usually still rent to check card users. They may, however, request a cash deposit to be held on the account to ensure the safe return of the vehicle and it is a rather easy process. Be sure to plan ahead and have sufficient funds available for a deposit if planning to rent a car on a trip or similar. It is wise to contact the rental agency in advance and ask about their policies on the subject.