I do a lot of INTERNET shopping – when they make an error and forget to take your coupon off etc. your act is debited and your cking acct is out the money until you can get is straightened out. with my MC i just call MC and they will not pay those people and will credit me if they don’t straighten it out I also used one at my superfresh and somehow on my bank statement they had debited an extra $200 – here one day their machines were down and they hand copied a persons debit card number but accidentally keyed mine in when thet keye dit in. thank goodness i had the 200$ extra in my acct or a slew of cks would have bounced- causing me all kids of late fees- bounced ck fees and of course the aggravation of trying to get that money back along with my 200$ – i knwo they work for alot of people butthey are just to scary for me – since they are directly into my cking acct.
I had a magazine company that i ordered from last year but over $60 worth of charge son my cc this month they said when i called that they automatically renew each year – this was not on their site at the time i ordered and i was not notified of this – of course my MC and probably even the Visa that work with teh debit card removed them and i also called the company – but what if i had made a ck out that needed $20 of that $50 in it and i was not yet in possession of my account statement and i had no idea i had just overdrawn my acct.
I would just be a nervous wreck
It looks like I follow the Dave Ramsey method a little closer. I don’t write checks. Haven’t written one in almost 2 years–for anything. I pay my all my bills that arn’t fixed [same amount every month] with cash or money order. The fixed bills that offer directly credit card billing I have charged to my debit card, but that’s it.