I LOVE mine, of course I've had one since I was 16, I never use my checks (which means savings from ordering them all the time) and I don't carry cash, just a hassle to go to the bank, wait in line for the atm and then go shopping. It is just like cash. You can go everywhere and anywhere and it is always accepted. I have no complaints. And someone said you would be overdrawn, that is not the case if you take your checkbook and subtract your purchase as you normally would a check or taking money out of your account. I think it is harder to keep track of cash because I may spend $1 here for a pop or a $1 here for a snack. I also seem to spend more when I have cash! lol It seems to just fly out of the wallet
Of course when you are checking out, you don't hit "debit" you hit "credit" for your purchase because it is a visa it is a credit card but technically it is a debit card...I know hard to understand. I know Sam's Club doesn't take Visa and company's may not use them. The reason is because Visa guarantees the company will get paid, but for that guarantee 3% of the total that you spend goes to visa. So, you go to Target and spend $100 and you use your Visa (debit or CC), Target takes it and doesn't even look at your signature because Visa GUARANTEES that Target will get that $100, but because Visa guarantees it they take 3% of the purchase price for that guarantee. So 3% of $100 = $3, which means Target only gets $97 instead of $100 so if Target starts losing money on the deal they might not keep Visa around and not take them anymore.....this is why Sam's Club doesn't take Visa because they don't want to give them 3% of all purchases.