When to Use Each 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. Credit or Debit?
Credit 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 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.
• 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.
SPRING FEVER Enjoy WarmWeather While Stuck Indoors 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.
decrease stress, and having them on your desk might also trick your brain into feeling less cooped up.
Take a break. You’ve still got to work, but that doesn’t mean you can’t sneak in a few minutes outdoors. Use your break for an outdoor stroll; if possible, you can also walk or bike to work. At the very least, park farther away to give yourself time to enjoy the weather. Volunteer to do a coffee run, pick up lunch, or take out the mail — you’ll be an office hero while catching some rays at the same time. Try working outside. If your boss will allow it, there’s probably some opportunity to do a bit of work outdoors. Meetings and conference calls might offer your best option. For in-person meetings, your coworkers will also likely relish a chance to take it outdoors. In the event of a conference call, you won’t need to convince anyone else — grab your laptop and go! It’s not the same as enjoying the weather while you’re off the clock, but it’s a lot better than being cooped up inside. With any luck, these tips will help you make it to Friday with your sanity intact. And luckily, the weekend is always just around the corner.
The weather is warming up, the sun is out — and you’re trapped inside. Most of us have jobs that leave us stuck indoors during spring’s prime midday hours, and it’s easy to feel like you’re missing out on the season’s best parts. Unfortunately, your boss probably won’t give you the day off just because of the gorgeous weather. So, we’ve compiled the next best thing — some tips to enjoy the season as much as you can while also getting your job done. Bring the outdoors in. When the weather is nice, open as many curtains and blinds as possible. The natural light will warm up the room and brighten your mood. While you’re at it, try opening the windows and positioning yourself near one. If you can’t be outside, the spring breeze on your face is the next best thing. Plants
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