• Yep, **never **use a debit card. I would go further and say don't even have a debit card if you can avoid it (though this seems impossible - despite repeatedly telling my bank that I do not want a debit card they have 'upgraded' me - I went so far as DEMANDING to have my account 'downgraded' back to the original status after they 'upgraded' me despite my explicit instructions not to a few years ago (I got my wish), but I have not got the time or energy to do this again and have given up).

    That's like trying to reduce the credit limit on a credit card. Utterly futile, the few times I've convinced them to do reduce mine it's lasted less than 2 months before I've been re-upgraded to an even higher limit. It pays to keep people in debt and spending.


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