The Debit Card
Do You Want To Manage Your Finances Like A Pro And Be Debt-Free?
Here at Cash Doctors, we'll tell you how to be a financial pro using one single thing!
You guessed it - A Debit Card…
But how is this card different?
If you have been using a credit card, you know that it only tempts you to “borrow” even if you can't afford to pay. A debit card on the other hand helps you to spend your money wisely. Here's why:
A debit card is directly attached to your own savings account. Therefore, your every purchase is directly deducted from your savings.
But how is this an advantage to you? Think about it this way. When you use a credit card, you are borrowing money from the bank. This borrowed amount has interest that piles up whenever you miss the repayment due date. In basic term, credit card means debt. But when you use a debit card:
- Your hard-earned money is directly reduced therefore you will think twice before buying. This transforms in to savings.
- You don't accumulate any interest rates therefore you don't pay more than what you spent.
- It is less tempting to use therefore you tend to buy only the necessary things. This makes you wiser in spending not to mention you're debt-free.
Here are some more important reasons why a debit card is better than a credit card:
- It's the same as having actual cash only you feel safer carrying it around.
- You can withdraw cash using it.
- Unlike a credit card, a debit card requires a PIN at your every transaction. This is especially useful when your card is stolen.
- If you're after some freebies, some banks offer rewards with your every debit card purchase.
Even with all of these wonderful benefits it's important to note that, unlike a credit card, a debit card is not yet protected under The Fair Credit Billing act. Additionally, a debit card is not honoured by the credit bureaus and does not affect your personal credit rating. All in all, when it comes to saving money a debit card beats a credit card hands down.
In summary, if your main goal is to manage your finances well and be debt-free, then a debit card is your solution.
So, with that sorted, what happens when you're using a debit card and doing all the right things but you find yourself short of cash from time to time? It happens to the best of us. Blown up washing machine. Once in a lifetime opportunity to buy concert tickets to see your favourite band. A hot date to go on but no cash to impress.
The temptation of a credit card stares you in the face. It seems a simple, quick fix.
But wait. You can solve your cash flow problem just as quickly, without the long-term credit card debt, simply by getting a payday loan – a short-term Cash Doctors cash advance that gets money on to your debit card instantly.
A Cash Doctors cash advance. It's your fast and easy solution to cash shortage.
We'll lend you up to $600 in cash with only 1 cent interest on your first loan. Just fill out our 5 minute online application form and within 60 minutes of approval we deliver your cash. It's that fast and easy. The next time you borrow from us, you'll have access to instant cash through Cash Doctors Mobile.
When you use Cash Doctors, you are automatically entitled to:
- Free access to Cash Doctors Mobile. It's instant relief from cash shortage anytime, anywhere using only your mobile phone.
- Free Cash Doctors debit card. Get access to cash through any bank, ATM or EFT. It's also an online account so you can do banking 24/7.
- Free financial resources. Learn more from financial experts through our free tools, information, articles, eBooks, blogs, and videos.
Here at Cash Doctors, we'll even help you manage your finances properly. With us:
- You can choose the amount you can afford to repay.
- You have a clear and honest breakdown of payments involved in your loan.
- Once your payment is done, you have no further obligations to us.
What we want is to offer you a quick, easy and manageable solution to your cash shortage. Our short term loans are little more expensive up front than a credit card but they are easier to manage and they don't put your self-discipline on a test. You get money ONLY if you can afford to repay it – and you're not stuck with long-term debt. It's a quick in - quick out cash solution.
So be a financial pro and be debt-free in the long-run….Start using a debit card today.
The bottom line…
It's easy. Get cash and get on with your life.
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