TexasCHLforum.com

dcphoto wrote:So have a second account. I guess my point is, why acquire additional debt just for the sake of purchasing online when there are ways of purchasing safely with a debit card.

My second account is a credit card account.

I pay off my credit cards every month. I don't see a material difference between having $1500 in my checking account after a $500 debit transaction for purchase X and having $2000 in my checking account and owing $500 of that to a credit card company for purchase X. I understand some people have an emotional reaction against credit cards and they're free to avoid them. Just as I'm free to use credit cards and avoid debit cards if that makes sense for me.

Maybe not "ALL of your money" but some people still buy cars without financing or buy homes with a non-zero downpayment. That money has to be in a checking account to write a valid check for the purchase.