When I 21 I had a gold card and a decent line with citibank and went crazy so I have to settle up at some point to get credit again. If I get a free room for exaple I have to put a deposit down or maybe call and reseve it and check in and leave the cash deposit. I need a line of at least 5k in the future because i don't want to carry a balance of over 50% but will use my credit wisely. If I pay off the amex I should get an optima card for a percentage of my prevuous line if paid in full.
Is better than nothing but if you use it at a hotel I think it takes a long time to reimburse you. Like if I got a free room they want a deposit in case of damage or maybe other charges like pay tv or movies wet bar, etc. With a cc if you have a dispute or if there is fraud then it is easier to get it removed. With a debit card if there is fraud your money's gone.
If you have a dispute with a reputable merchant like a hotel then they just charge you willy-nilly. The VISA check card (debit) will reimburse you if your card is ever lost or stolen. It says it right in the commercial. If it is a problem with a merchant then even with a credit card you still need to try and correct the problem with the merchant first.(Read cardmember agreement) It is just as hard/easy to get your money back from a credit card as it is a debit.
I agree but the debit card is your money the credit card is a debt. What is worse getting your checking account cleaned out or your credit card jacked up by somebody? with the debit card you could lose your whole bankroll.