re: Amazon Prime

I have a charge for $16.04 from Amazon and I never ordered anything. I’ve been wondering what it is

Dude is going to be real mad when the bank puts a hold on all of his money in his checking account.

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I do not use credit cards. I’m debit card (with a VISA logo) only.
Debit free - besides my house. It works for me.

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You have a massive cyber fraud exposure that could wipe out you bank account. Use a CC for everything and pay it off monthly. If your CC gets hacked your bank account is not hacked with it.

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I do not use credit cards. I’m debit card (with a VISA logo) only.
Debit free - besides my house. It works for me.

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Two things:

1. credit cards have financial and security benefits that debit cards do not have

2. if you are disciplined enough to pay off credit cards every month it will have a positive impact on your credit score especially if the only credit you are using is for a mortgage. The improved credit score from using credit cards will positively impact your creditworthiness and interest rates in the event you have to borrow money or decide you would prefer to borrow money for something like a new car, a second home, or take advantage of a zero percent interest option for a purchase.


Some people need to follow the Dave Ramsey approach to money but those with a modicum of discipline are leaving a lot of money on the table by doing so.

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credit cards have financial and security benefits that debit cards do not have

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Learned this the hard way. Had some fraudulent charges go through that I didn’t catch. The time limit was passed on the debit card so I had to eat them. If they were credit card transactions the period you have to report the fraud and get reimbursed is way longer.

As others have said, the rewards are literally free money.