Establish an informal minimum in your account. Do not draw below it. NSF (insufficient funds) fees are much, much more expensive than APRs.
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@jadeserotica@violetblue In event of dispute, if on debit card the money is out of your pocket for longish window. If CC, instant unlock.Thanks. Twitter will use this to make your timeline better. UndoUndo
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@patio11@violetblue I have only ever seen a charge for CC use, never a discount. -
@jadeserotica In the US at least, it's fairly common to be offered cashback or points of roughly 1% of all purchases by your CC company.
End of conversation
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