When choosing a credit card, you can choose an immediate debit or debit card . In an online bank , you can even benefit from a free credit card and therefore without annual fee of € 40 for a classic bank card to € 130 for a high-end bank card. What is the difference between a debit or debit card ? Does the debit mode change the use of the credit card? What are the advantages and disadvantages of debiting your credit card immediately or in the future? Explanations to choose your bank card in immediate or deferred debit .
Choose an immediate debit or debit card?
Before choosing the debit mode of your credit card , you need to know the difference between a debit card and a debit card . The difference between an immediate or deferred debit card is:
- Bank card with immediate debit : the bank account is debited within 2-3 days after the bank has taken note of a withdrawal or a payment with the CB
- Deferred debit card : the bank account is debited at the end of the month of all withdrawals and CB payments of the current month.
Now that you know what the difference is between a debit or debit card , you can choose how to debit your credit card . For a bank card with systematic authorization, the debit mode is similar to immediate debit but this time, your bank account is not debited 2-3 days later but in real time. What are the advantages and disadvantages of a debit or debit card ?
Advantages and disadvantages of the debit mode of his credit card
To properly choose an immediate or deferred debit card , you need to know the advantages and disadvantages of a debit card and a debit card .
Advantages and disadvantages of a debit card
The advantage of a debit card is to have a better monitoring of the balance of his bank account since payments and withdrawals CB appear 2-3 days later in the follow up bank statement.
The disadvantage of a debit card is that you can find yourself in unauthorized overdraft in the middle of the month if your salary is paid at the end of the month and you have no savings. security .
Advantages and disadvantages of a debit card
The advantage of a deferred debit card is not to find yourself in the open while waiting for the arrival of your salary at the end of the month. The deferred debit card is ideal if you do not have savings aside . You keep a high balance until the end of the month. At the end of the month , all your payments and withdrawals by credit card is removed from your bank account .
On the other hand, the disadvantage of the deferred debit card is that you have to calculate the sum of your expenses and withdrawals of the month from day to day . Thus, you are sure to have a sufficient balance to cover your CB payments and withdrawals of the month that will be taken at the end of the month at the risk of being uncovered the following month.
Bank card with immediate or deferred debit, in summary
Choosing my debit or debit card is an important decision to make. In summary, the difference between an immediate and deferred debit CB is:
- Choosing an immediate debit CB allows you to better manage your bank account, withdrawals and CB payments are taken from the account 2-3 days later
- Choosing a deferred debit CB is ideal if you do not have precautionary savings. So you can use your salary that falls at the end of the month for your current month’s expenses
However, if you choose a debit card , it imposes a great rigor on the calculation of the sum of your payments and withdrawals CB . Indeed, if you do not calculate the sum of your expenses of the month, you may find yourself in the open of a large amount of money without knowing it . Conversely, an immediate debit card allows you to take quick action to limit your overdraft since you can follow in real time, within 2 or 3 days, the balance of your bank account.
Bank card immediate or deferred debit, bank online
In a traditional bank, a deferred debit CB costs more than an immediate debit CB, count on average 7 € more per month. In an online bank, the credit card is free for you to take an immediate debit card . In addition, leaving your traditional bank to join the bank online , is saying goodbye to bank charges if you use the online account without incident, or 200 € savings per year . Online banking also allows you to better manage your bank account with an intuitive mobile app and an ergonomic website . By opening an account in an online bank , you will not only save time managing your budget . With the welcome offer , you can also earn money for opening an account for the first time. Go to the online banking comparison .