Prof. Utonium
High Supremacy Member
- Joined
- Feb 12, 2009
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Imo, DC helps to control your spending better and far less anxiety compared to missing a cc bill payment.
maybe dc for small purchase.
Cc for big ticket ones since banks can file chargeback for u
Doesn't matter DC or CC if one lacks the restraint.
Points/rebates/miles tend to be better for CC as compared to DC, not sure if now is on par. Essentially free money/gifts.
Make payment on time or GIRO and you won't have to worry about missing a payment.
Set lower limit if you are that worried. Honestly I would prefer to have max limit as it would help in your credit score i.e. utilizing 10% of limit (1k vs 10k) instead of 50% of limit (1k vs 2k).
Make any payments big or small through CC and you can still dispute. I even disputed currency exchanges and merchant's bank fees differences before and got my refund in full instead of it being deducted by other external fees.