For quite a while, I took advantage of the fact that my Bank of America checking account came with a free check card. This card, a debit card, was accepted everywhere they took Visa Credit Cards and I thought that was all I needed. After a few months however, I read a bit more into the differences between using a credit card and a check (debit) card and immediately switched to a credit card. From the simple perspective of using the card for purchases, both systems are equally easy to use. However, on the back end, there are numerous advantages to a credit card that debit cards do not provide.
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