Word: debit
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...however, Dell has muted the naysayers by tweaking its strategy where necessary. In Beijing, for example, the company's delivery drivers carry wireless debit-card machines so customers can pay when their computers arrive, a system that solves the credit-card problem. Today, Dell offers next-day delivery from its factory in Xiamen to 400 cities and towns. And Dell's China market share has grown from near zero in 1998 to 4.4%. That may not sound impressive, but Dell has eclipsed Compaq and is pressing IBM for the top foreign-brand position. In the lucrative segment for corporate server...
Gomes told police that he had transferred money to both his and Pomey’s accounts, and withdrew money with Pomey’s debit card from her account, according to the indictment records...
...Using credit cards is generally safer than allowing access into other accounts. The credit card system has safeguards built in to protect users from fraud. If someone steals your credit card number, you're out 50 bucks and some hassle. With a debit card, you could be cleaned out completely. Using cash is also not a bad thing...
...lose some security. If your credit cards fall into the wrong hands, you're liable only for the first $50 of expenditures, and many issuers waive that. While the ultimate liability with a debit card is the same, a thief could clean out your checking account before you realize what's happening. (Some 42% of debit cards can be used without a personal identification number, or PIN.) Yes, your bank will give you back the money--Visa requires its issuers to grant you credit within five days, and many do so within 24 hours--but it's a much bigger...
That said, if you are the type of customer who charges one day and regrets it the next, a debit card probably does make sense. Rudy Cavazos, director of corporate relations for moneymanagement.org says there's no doubt that debit cards help keep consumers within their spending limits. "If you use a debit card, you know the money's coming directly from checking," he says. "You know you're not going to accumulate finance charges or fees. If every minimum payment has you feeling like you're spinning your wheels, debit cards...