this post was submitted on 14 Jan 2026
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It's hard to use a debit card?
That's different from bank transfers, and, in the US, debit cards are weird permutations of credit cards, they either have a Visa or MasterCard logo and the fee structure is different from credit cards but not zero (maybe? It's changed a bunch and the fees are usually hidden from customers)
The fees just straight up don't exist for customers now. They havent for decades.
Its even illegal to charge one at all if your bank has a few billion in assets.
So at worse a company might pass their processing fees onto their customers.
But banks can't charge you one and most companies don't either. It's just a cost of doing business.
So only the poorest shittiest banks, and the shittiest companies charge one. That or small businesses that can't afford to eat the 2.5 to 3% that's common.
But functionally debt cards are just a free service as far as the consumer is concerned.
You obviously don't have a debit card. It's not "a permutation" of a credit card and they don't come from visa or MasterCard. You're talking about a credit line through your bank. I own a debit card. From my bank. With only my bank as the issuer. It takes money directly from my bank account when I use it. No creditor involved. It's a money transfer straight from my bank account to the retailer I use it at. Millions of people have them.