Whilst there are many people who enjoy the convenience and security of using a credit card rather than having to carry cash around with them, some people don't like the thought of getting into debt, which can be a real worry for those who use their credit cards regularly but are unable to repay the balance in full at the end of each month. Credit cards can be enormously useful if and when they are used sensibly, but unfortunately there are many people who find it difficult to control their spending when they know that they have access to funds, which they can use and do not have to repay for a while.
For those that want to benefit from the convenience and ease of not having to carry cash around with them everywhere in order to make purchases, a credit card is not the only solution, which is good news for those who do not want to run the risk of spiralling debt problems. If you are looking for a convenient and simple way in which to spend your own money, rather than risking spending money that is not really yours as you would with a credit card, then the People's Choice Credit Union Visa Debit Card could be the perfect choice.
As a Visa debit card, the People's Choice Credit Union Visa Debit Card is widely accepted and simple to use, which means that whether you want to use it to make purchases in your local area or whether you are travelling abroad, you will not have to worry about the card not being recognised by retailers. Of course, as it is a Visa debit card rather than a credit card, you will need to have available funds in your account in order to make successful purchases but the upside is that you will only be spending money that you have already earned rather than spending money that is borrowed and has to be repaid at some point in the near future.
The main features of the People's Choice Credit Union Visa Debit Card
In order to determine whether the People's Choice Credit Union Visa Debit Card is the right card for your needs, it is advisable to check the variety of benefits and features that come with the card. Some of the features of the card include:
- The ability to make purchases and even cash withdrawals on your People's Choice Credit Union Visa Debit Card, enabling you to enjoy flexibility and ease of use
- Being able to eliminate the need to carry cash around or use more inconvenient payment methods, with a card that provides you with all the convenience and ease of a credit card but without the worry of spending money that you do not have and cannot really afford to spend
- Only being able to make purchases and withdrawals against cash that you already have in your account, or against your overdraft facility if you have one, which means that there is less chance of you falling into unmanageable levels of debt
- Enjoying worldwide acceptance as part of the Visa network, which means that you can use the card with ease and convenience when you are abroad as well as using it in your own country
- Benefitting from the improved security of chip card functionality, which provides valuable peace of mind for those who are concerned about falling victim to card fraud
- The availability of an overdraft facility, which can provide increased flexibility. This is subject to terms and conditions but if accepted you can benefit from competitive interest rates on overdraft use
- No interest charges to worry about, unless you are using your overdraft facility, which means that you don't have to worry about added fees and charges when you are using the card
- Easy access to your account and details, with a variety of platforms through which to check and manage your account. This includes online banking, phone banking or SMS banking
- An easy switching process, so that you can switch from your existing account to the People's Choice Credit Union Visa Debit Card account with ease and speed, cutting out any hassle
- No transaction fees to worry about when you select 'credit' to make transactions. However, some retailers may charge a fee for doing this, which they must advise you about prior to the transaction being made
- A choice of fast and simple application methods, as you can apply for your People's Choice Credit Union Visa Debit Card in one of several different ways, which includes making an application in person at your local branch, making your application by phone or even making your application for your People's Choice Credit Union Visa Debit Card online, which offers the greatest ease and convenience