Pre-paid debit cards versus ATM cards
All cards have their unique benefits, and neither type of card is necessarily better than the other. What makes a card best, is if it fits the needs of the holder. There are times; however, when it might be better to use a credit card or to use a prepaid debit card (ATM card) instead.
If you're making purchases online, definitely use a credit card. If you're making any purchase where you might be concerned about your ability to get a refund, again use a credit card. With credit cards you can always ask to reverse the charge, and even if fraud was committed the most you'll be liable for is $50. With a debit card, however, your bank account could be wiped clean and recovering your money can be a long, arduous ordeal - if not impossible.
For day-to-day use, it's handy to use a prepaid debit card, or commonly referred to as an ATM card. You needn't worry about getting payments in on time to prevent interest charges. But if you forget to annotate every purchase made with a prepaid debit card, you could risk bouncing a check which will cost you returned check fees.
In an emergency when bank account funds are low, a credit card can be a life saver.
Search for a Debit Card of an ATM Card.
