[meyer]

Mine is both, a check card and a Visa card. I usually use it as “credit” because the bank charges a $.30 fee on outside debit transactions.

Mine is apparently both also, but I use it ONLY to withdraw money from the ATM. I can take out up to $300 a day. Since I don't spend nearly that amount, I've taken the step of keeping a running balance in the wallet for normal spending. I use a regular credit card for large purchases or internet purchases, but pay the bill off at the end of the month.

Cash is my preferred means of payment.

[chickadee]

But a trip to the bank every day? What a pain in the behind. I like my debit card, no muss, no fuss and I have a record of each expenditure in my checkbook. If I need cash, I can get cash back at the grocery checkout by using the debit option. For online transactions, I try to use PayPal as often as possible. More and more sellers are offering that option. It conceals my credit card info - I like that.