That sounds like way more effort than a credit card, especially here in the US where transfers between banks take 2-3 days.
If you really want to avoid credit, you can lock your debit card and unlock it when you make a purchase. That’s still annoying, but effective. But if you’re responsible, there’s really no reason to avoid credit, and you get rewards on top.
especially here in the US where transfers between banks take 2-3 days.
*Laughs in SEPA Instant Transfer*
Anyhow, locking and unlocking is an option. Using “3D Secure” systems - which require a secondary approval via an app or website - works significantly better, and chargebacks are one tap in a banking app (modern apps, so US might again be fucked here).
That sounds like way more effort than a credit card, especially here in the US where transfers between banks take 2-3 days.
If you really want to avoid credit, you can lock your debit card and unlock it when you make a purchase. That’s still annoying, but effective. But if you’re responsible, there’s really no reason to avoid credit, and you get rewards on top.
*Laughs in SEPA Instant Transfer*
Anyhow, locking and unlocking is an option. Using “3D Secure” systems - which require a secondary approval via an app or website - works significantly better, and chargebacks are one tap in a banking app (modern apps, so US might again be fucked here).