Friday, 4 December 2020

Comparing cards – debit, credit and prepaid

Comparing cards – debit, credit and prepaid
01 Aug

Your total comes to twenty two thirty eight Okay

And how will you be paying for that today? Um… Well isn't it obvious? Shh! She can make her own decision Who said that? Hello! I can handle this purchase Easy peasy That's what debit cards do! Do you remember how awesome my rewards program is, though? Swipe me We got this

I think what these two meant to say is that you want to use me, Prepaid Debit I mean look at my logo Just like a credit card Cool, right? Please You're nothing like me

I'm the only one here who can help build credit You have literally zero effect on a credit score But I don't need a whole special approval process I'm accessible Anyone can own me

I'm pretty accessible, too and I tend to have less fees than you do, Prepaid Debit Oh, yeah? Name one Activation fee Sometimes Transaction fees

Not always Reload fees Well Maintenance fees I said one! At least I don't have to worry about crazy interest rates or overdraft fees

I do charge interest on balances, but that's the trade off for a generous credit limit! You're limited to the amount loaded onto you And you're limited to how much is in your chequing account Right, that's why people who hang out with you too much get into tons of debt! And everyday it sounds like there's a headline about a new credit card data breach Don't give me that attitude Debit and I are protected by federal law to minimize liability caused by that kind of stuff

If you get lost or stolen, you're out of luck, most of the time You're just jealous because everyone thinks I'm cool and you can't handle it! How dare you challenge me, you good-for-nothing piece of plastic! Don't chequing and savings accounts mean anything to anybody anymore? Guys Let's be cool Can you just try and say something nice about each other? Come on, I know you can do it Well, Credit does have cool rewards

And if you're smart about it and don't carry a balance, she can be a pretty great And I guess Prepaid Debit can come in handy, like if you're travelling You can use it in lots of different places And if it gets lost or stolen, it can't be used to access your account And Debit, like I totally admire your affordability

And you can be used to take out cash from ATMs all over the world You kind of rock at managing money, I must say See? Was that so difficult? I guess not But getting back to your purchase How are you going to pay? Yeah Jen, who are you gonna choose? Please

Please Please Who's it gonna be? I'm just going to pay with cash this time Noooo! Really! Are you kidding me? Hee hee Hey guys, what about me? Who are you? I'm an old gift card with 12 cents left on it

I'll show myself out

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