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<blockquote data-quote="inactive" data-source="post: 2014851" data-attributes="member: 7488">Running it as a CC still pulls the cash from your bank account, since that is where the money lies.&nbsp; Using a true credit card gives you a cushion - a purgatory - in which to hold the disputed charge until it is resolved; this contrasts with a debt card which requires the bank to place the money back into your account.&nbsp; I also get 1% cash back on all my credit card purchases, which is nice.&nbsp;&nbsp; It just stores up the balance and deposits $25 into my savings once I hit the threshold.&nbsp;&nbsp; It&#039;s anti-Dave Ramsey, but works well if one is disciplined.&nbsp;&nbsp; The only time I really use Debit is my Target Debit card, which&nbsp; is a separately-issued card linked to your bank account.&nbsp; You get 5% off your purchase for it though, which works awesome on groceries.&nbsp; Especially when stacked with coupons on coupons.</blockquote>

[QUOTE="inactive, post: 2014851, member: 7488"] Running it as a CC still pulls the cash from your bank account, since that is where the money lies. Using a true credit card gives you a cushion - a purgatory - in which to hold the disputed charge until it is resolved; this contrasts with a debt card which requires the bank to place the money back into your account. I also get 1% cash back on all my credit card purchases, which is nice. It just stores up the balance and deposits $25 into my savings once I hit the threshold. It's anti-Dave Ramsey, but works well if one is disciplined. The only time I really use Debit is my Target Debit card, which is a separately-issued card linked to your bank account. You get 5% off your purchase for it though, which works awesome on groceries. Especially when stacked with coupons on coupons. [/QUOTE]

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