Cards

Credit card

Debit card

Member card

Gift card

and whatever cards.

I realize that debit card is super duper convenient to buy stuff without taking out the cash.

or stuff few thousands of cash in your wallet when you going to buy something in big amounts.

Ya, I know that nowadays no one will bring few thousands go out but maybe for those people who are not achieve the criteria to apply credit card so how they going to buy their things in big amounts?

By check?

Cash?

or......

Credit card, hmmm, ya it might be convenient as well but.....

It's does have some extra charge when you use it and I felt it is not that good to use money in advance.

Some more we have to pay for the interest for credit card.

This cards electronically transfer the amount of money from your bank account to the store that you are making the purchase from.

Ok. there is always an advantages and disadvantages of using debit cards.

hmmm...
Let me talk about the advantages 1st.
First of all, It was so convenient and eliminate to carry out the cash.
We don't worry about it cause every merchant or thrift shops also accept the debits card.
We no need to worry the card missing or we buy a wrong things after 2 months later cause there is an evidence of statement of it.

Besides, you no need go to bank everytime when you need to withdrawal the money from bank, we can use the debit card just anywhere we go and anytime we are. If we need the money we can go to any ATM to withdrawal the funds.

The only thing we need to do is key in the PIN number when we going to access it.
That simple~

The disadvantages are we must keep track and keep records our transaction all the times so that we able to know our account balances at all times.
 If we don't keep records we might have the overdrawing account risks and not to create any embarrassing when you suffer at the moment when you going to pay for the things when  your cards is denied.

some of the bank are charges for their fees and know ahead for you time when you use the cards whether is free of charge.

Some of the old people prefer stick with the cash .
For me I more prefer use my debits card because I able to value the convenient of it and if you do plan it carefully and control & organize your records + stay away from ATM which charge you the fees, I think it will more benefits to all of us.

However, if you are terrible at keeping records on the transaction I recommended you better stick with the cash.^^

hehe~

I think Malaysia should practice more on using debit cards because there is some shop are not accepted debit cards ..It's too bad....