Best bet for purchase: debit card or credit card?

Author	Message
Written on: 13.11.2009 [20:52]
Caitlin Caitlin Topic creator Posts: 1	I shop a lot online and on the high street. After that wedding gifts site went bust there has been a lot more talk of 'securing' your purchases by using credit. What's the best for making a purchase: debit card or credit card?
Written on: 15.11.2009 [07:10]
Yann Yann Posts: 2	The reason why credit cards are seen to be 'secure' or 'safe' by some is that the credit card companies themselves tend to offer purchase insurance. This means that if you buy something with a credit card (like a wedding gift!) and the company you buy it from goes bust and basically cannot fulfil the original contract (providing you with the gift) then you get your money back from the credit card provider. Of course you will need to prove certain aspects and keep your fingers crossed, but a credit card provider can be prevailed upon. If you buy something with your debit card and the money is 'gone' but there's a problem, you can't ask your bank or building society to reimburse you.
Also very interesting: Can I get a credit card? No credit history! What's the best way to organise my home finance with credit cards? Can or should you lease credit card machinery? Paypal to replace using credit/debit cards? Can I get a Mastercard prepaid card? What's the right time for credit cards and debit cards? How to take advantage of the “Tesco credit card abroad” offer? Is a prepaid credit / debit card more hassle than it's worth? Don't have credit card & Fotolia doesn't take debit, help! How many credit & debit cards is normal?