Debit Cards – Pay As You Go

The expression “pay as you go” can mean a lot of things. It can refer to getting laid to rest in a cemetery only after a surviving family member coughs up enough dough for the burial plot and funeral services. It can also allude to the former practice, at least where I live, of the local airport having pay toilets. They had to cut it out because people made a stink (sorry).

For me it means using a debit card more often than using a credit card. When I tell friends that I do so they usually roll their eyes and indicate that only poor people or those with bad credit use debit cards. I reply that it is just the opposite. I have the best of credit. Why? Because I only use a credit card for items that have big ticket prices or where I need an element of protection. By that I mean when I buy something that I am concerned it may not work properly or it may not get shipped so quickly, I use a credit card as leverage. How so? I can always tell the credit card company that I am challenging the sale. No merchant wants to get into such a hassle.
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