this post was submitted on 27 Jul 2025
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Honestly, what's the point of a credit card? Why don't people mostly use debit cards? It gets just directly wire transferred from your account. No sort of junk fees or monthly subscription needed. Genuine Question.
Because I have to. A lot of platforms literally don't support debit cards.
You can get a Visa debit card from your bank; everyone takes Visa.
"Debit" in the United States refers to chip-and-PIN transactions only (though tap-and-PIN is also now a thing). The US debit card networks process only in-person transactions because their fees are limited by law and the risk of fraud is lower for chip-and-PIN compared to the "trust me bro" of online card transactions.
All other transactions processed through the Visa or Mastercard network are treated as credit card transactions for the purposes of processing the transaction on the network, even if the underlying card is a debit card.
I'm EU based. We don't have visa debit cards
The EU has Visa debit cards.
I'm in France. Pretty much everyone has a Visa debit card.
I am in EU, but likely a different country. I dont think we do Visa credit cards here, the only credit card around is Mastercard, all Visas are debit. Weird how that’s different