Credit or Debit? When to Use Each Card
Credit Card •
When it comes to purchasing items, you have a choice about whether you should use your debit or credit card. Although these rectangular pieces of plastic look the same, they are very different. With credit cards, you’re borrowing money, whereas a debit card takes money directly from your account. That being said, is there a better time to use credit than debit? Here are a few instances to help you determine when to use which card.
Your credit card is preferred for safer online shopping to prevent your debit card information from being on the internet. However, check your browser and shopping apps to make sure your credit card is the preferred payment method. • If you have any subscription services or bills, your credit card works great for recurring payments. Your fees will be paid automatically, and these regular on-time payments will help raise your credit score.
Debit Card •
If you need to access cash quickly, it’s best to use your debit card. If you use an in-network ATM, you can withdraw cash without a transaction fee. But if you use an out-of-network ATM, your bank and the ATM provider
• If an emergency occurs, put it on your credit card. This will give you some time to pay off the expense if you need it.
will charge a fee. Although you can use your credit card to withdraw money, the fees are usually even higher. Debit cards can help you avoid merchant fees from businesses. Some online retailers, restaurants, and small businesses have a surcharge when you use your credit card, but debit cards are excluded from these fees. If you make an international purchase, you may want to use your debit card if your credit card company charges foreign transaction fees.
Which card you use is a personal preference. Use whichever method you’re comfortable with and makes sense for you. Always check your balances and fees to ensure everything is in order and cost-effective. If you see suspicious activity on your account, contact your bank for assistance.
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INTRODUCING OUR MARKETING ASSISTANT, TRENT PRAY
At Shoup Legal, we have gathered some of the brightest, most caring, and compassionate people from our community to help you with whatever you may need. Every member of our team is willing to go above and beyond to ensure each of our clients feels appreciated and understood. Even members of our team you don’t communicate with every time you call our office or step through our doors are ready to assist you in whatever capacity they can. Our marketing assistant, Trent Pray, is one of these individuals and has been a valuable asset since his very first day. Trent grew up in California and went to a California State University but always had a desire to travel and live in Europe. In 2016, his dream finally came to fruition as he made the move to Prague in the Czech Republic and began teaching English. He did this for a couple of years but was diagnosed with cancer and decided to return to the U.S. for treatment.
an employment agency that put him in contact with us. He was originally only supposed to work one day with us, but his work ethic and captivating personality extended his invitation until he became a full-time employee. Trent did return to Europe once he was cancer-free but chose to return to the states once the pandemic began. He reached out to us, and we brought him back immediately. He started as an executive assistant but was quickly promoted to marketing assistant. He now plays a role in advertising, our website, and this newsletter among other things. We’re excited to see what comes next for Trent as he’s proven himself very valuable in this new role. When Trent is away from the office, he likes to spend time at his family’s property where they have horses, miniature donkeys, chickens, dogs, and cats. He also loves spending time outdoors and traveling. He wishes to travel more in 2022 and to visit Europe again at some point in the near future.
After a year of treatment and recovery, Trent decided to rejoin the workforce and approached
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