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Message:: [QUOTE="Kasia, post: 1823528, member: 31533"]Chris. I say Credit but actually I think a lot of people who use "credit" are actually just using their debit cards that are attached to their bank account. I know I do. But instead of using it as a "debit" card (meaning using a pin number with it when I do the transaction and calling it a debit) I use mine mainly (nearly always) as a "credit" card where I am calling it a credit transaction and signing my name for the transaction as I would if it was an actual credit card not attached to my bank account. It does cost the store more as they do not know when you use a card that way whether you are putting it on credit or whether it comes straight out of your account. But you are protected in the same way from bad transactions as if you had a credit account. And you can use it online as a credit card as well. It is good because noone has to open a credit line anywhere to have a 'credit card' and use it in the world. I went to Europe (Poland/Russia/Ukraine) in 2007 and had no problem with my card, except once when I had used it that day and the bank questioned it so they wouldn't let me use it that night. I called my daughter in the a.m. and had her call the bank for me. It was cleared within one hour of her talking to the bank, and I had no more issues that trip.[/QUOTE]