We have them and they are great. As someone above said, we can't spend what we don't have. It's like my keycard and my VISA card all linked into one. The way ours is structured we get unlimited VISA transactions so I just hit the 'credit' button for everything. But it's not spending credit, it's spending our money.
I can't add anything others haven't already said, but they are awesome, saving on fees when you use credit but only spending your own more. Highly recommend it
I am another one who thinks they are awesome!
I find I am more in control of my finances because I can't spend money I haven't got and no interest but I have the convenience of a being able to use it like a credit card....win win
I'm going to come in here with the one negative I have found (we have a debit mastercard)... the money doesn't come out of our account immediately. There is often a two or three day lag, so I have to keep track & remember not to draw on what should be staying in there (it's linked to our everyday account).
Apart from that - yep, awesome, way better than a Credit card
We also have a Visa Debit card, it's linked to our regular bank account. Like everyone else has said you can use it where ever you might use a credit card. I have also found that when using the 'credit' function (as we do say when the vet comes to our house) it takes a few days to come out of the account, as Fleur said. This has got us into trouble a number of times! Suddenly the account would drop by a large amount and it would be a purchase from the week before! Now we just keep track of what has yet to come out and we don't get into trouble anymore
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