topic Re: bags & jackets in Suggestion Box

bags & jackets

braindeadbabs — Mon, 21 Nov 2022 02:53:31 GMT

Maybe it's just me but maybe others agree. I don't need a pocketbook with credit card slots and such. I need a simple purse that I can carry my wallet, checkbook, phone, and keys in. Plus it doesn't have to be big.

I would also like to see the cool weather jackets include internal pockets for when I don't need anything but my wallet but it is secure.

Re: bags & jackets

Kachina624 — Mon, 21 Nov 2022 03:22:27 GMT

@braindeadbabs Do people really carry a fist full of credit cards with them at all times? I pay for all purchases with my debit card and leave all other credit cards safely at home. What a nightmare if those slots were full and the bag was lost or stollen. I never use any of them.

Re: bags & jackets

Love my grandkids — Mon, 21 Nov 2022 05:44:59 GMT

@braindeadbabs Personally I wouldn't dream of carrying around a credit card unless I plan to use it. I buy groceries and Rx's with my debit card.

Haven't written a check in years, pay all my bills online. I have a very slim wallet that meets my needs and fits nicely in my purse.

Re: bags & jackets

haddon9 — Mon, 21 Nov 2022 08:39:31 GMT

Personally I wouldn't use a debit card ever for a purchase. I only use it to get cash when I need it.

I always use my credit card and I can cancel it and not get charged for any fraudulent activity. I had to do this in the past. I feel safer with a cc rather than a debit one which is connected to my bank account.

As for slots in bags, I carry a Brighton organizer bag called Jagger cross body. I carry it across my body. It has a built in wallet which eliminates the need for a wallet. I understand the fear of losing a bag but it's never happened to me yet and I live and stay in a very safe and low crime area. One can lose a wallet just as easily.

Re: bags & jackets

cindyNC — Mon, 21 Nov 2022 15:01:41 GMT

I use a lotof the slots in my wallet for things like medical business cards, my autoclub card, etc not necessarily a pocket full of credit cards.

Re: bags & jackets

kaydee50 — Mon, 21 Nov 2022 16:19:13 GMT

All of my crossbody bags (the only ones I have) have several credit card slots. My favorite has 8. Would not buy a purse that did not have slots.

I never use a debit card except at the ATM.

Re: bags & jackets

Love my grandkids — Mon, 21 Nov 2022 17:07:20 GMT

@haddon9 I know many who feel as you do about a debit card. I am lucky that my bank will cover *any* kind of loss, a hack, stolen, etc.

I get cash when I buy my groceries so no need to use an ATM or go to the bank.

I only pay cash for my gas. Wouldn't dream of using a debit card for that.

Re: bags & jackets

Love to Run — Mon, 21 Nov 2022 18:04:14 GMT

I don't understand why anyone would use a debit card. They offer none of the extended warranties, points, or cash back that most credit cards do. The bank will reimburse for fraud, but your funds are tied up until the claim is processed. No thanks! Our cards are paid off every couple of weeks so we never pay interest.

Re: bags & jackets

Kachina624 — Mon, 21 Nov 2022 18:06:09 GMT

@haddon9 wrote:
Personally I wouldn't use a debit card ever for a purchase. I only use it to get cash when I need it.

I always use my credit card and I can cancel it and not get charged for any fraudulent activity. I had to do this in the past. I feel safer with a cc rather than a debit one which is connected to my bank account.

As for slots in bags, I carry a Brighton organizer bag called Jagger cross body. I carry it across my body. It has a built in wallet which eliminates the need for a wallet. I understand the fear of losing a bag but it's never happened to me yet and I live and stay in a very safe and low crime area. One can lose a wallet just as easily.

@haddon9 There's some kind of myth that using a debit card carries more risk than a credit card. At most banks, A debit card has the exact same protections as a credit card.

Re: bags & jackets

Love my grandkids — Mon, 21 Nov 2022 19:19:01 GMT

@Love to Run You are mistaken. I posted above that I use it for groceries (I also get cash when I buy food) and my Rx's. MY bank covers anything untoward that could happen with my card: If it gets stolen and used (tho how they could without my PIN I don't know), hacked or lost, EVERYTHING is covered.

So don't make judgments without all the facts. Any other shopping at B&M or online is with CC only.

I would never use a debit card online and don't know why anyone would.

Re: bags & jackets

haddon9 — Mon, 21 Nov 2022 19:33:36 GMT

@Kachina624 Maybe so but my CC gives me points and cash back that my debit card does not.

Re: bags & jackets

San Antonio Gal — Thu, 24 Nov 2022 16:09:48 GMT

@Love to Run wrote:
I don't understand why anyone would use a debit card. They offer none of the extended warranties, points, or cash back that most credit cards do. The bank will reimburse for fraud, but your funds are tied up until the claim is processed. No thanks! Our cards are paid off every couple of weeks so we never pay interest.

I agree with @Love to Run . There are many benefits using a credit card as she stated. My bank advises never to use a debit card pumping gas.

As far as carrying cards around, I carry medical insurance info, automobile isurance info, etc. It's not about carrying around a bunch of credit cards.

I rarely pay anything with cash.

Re: bags & jackets

San Antonio Gal — Thu, 24 Nov 2022 16:16:26 GMT

@Love my grandkids wrote:
@Love to Run You are mistaken. I posted above that I use it for groceries (I also get cash when I buy food) and my Rx's. MY bank covers anything untoward that could happen with my card: If it gets stolen and used (tho how they could without my PIN I don't know), hacked or lost, EVERYTHING is covered.

So don't make judgments without all the facts. Any other shopping at B&M or online is with CC only.

I would never use a debit card online and don't know why anyone would.

@Love my grandkids - You may be covered for losses, but as @Love to Run stated, you will have to wait for processing time to be reimbursed by the bank. It won't happen overnight. It has to be investigated before your money is returned.

Re: bags & jackets

bells4me — Thu, 24 Nov 2022 17:07:15 GMT

I don't carry credit cards, only my debit. I do carry medical cards, insurance & grocery cards which are numerous so I do use slots.

Re: bags & jackets

stevieb — Thu, 24 Nov 2022 17:15:28 GMT

A debit card is linked to one's bank account while a credit card isn't. While banks might offer protections for their debit cards, fraudulent use of a credit card does not tamper with your bank balance, as far as I know. I do carry both and I do prefer a larger bag. The diverse replies to this thread just show the variety of bags and jackets of interest to us. No need to think that any one style fits us all.

Re: bags & jackets

San Antonio Gal — Fri, 25 Nov 2022 17:24:39 GMT

@stevieb wrote:
A debit card is linked to one's bank account while a credit card isn't. While banks might offer protections for their debit cards, fraudulent use of a credit card does not tamper with your bank balance, as far as I know. I do carry both and I do prefer a larger bag. The diverse replies to this thread just show the variety of bags and jackets of interest to us. No need to think that any one style fits us all.

As @stevieb said, fradulent use of a debit card will affect your checking account balance.

Re: bags & jackets

Love to Run — Tue, 29 Nov 2022 12:57:12 GMT

@Love my grandkids wrote:
@Love to Run You are mistaken. I posted above that I use it for groceries (I also get cash when I buy food) and my Rx's. MY bank covers anything untoward that could happen with my card: If it gets stolen and used (tho how they could without my PIN I don't know), hacked or lost, EVERYTHING is covered.

So don't make judgments without all the facts. Any other shopping at B&M or online is with CC only.

I would never use a debit card online and don't know why anyone would.

@Love my grandkids I never mentioned you in my reply to the OP, and I only stated facts. I don't care what your spending habits are.

https://www.nerdwallet.com/article/credit-cards/credit-card-vs-debit-card-safer-online-purchases

Re: bags & jackets

kindred cats — Tue, 29 Nov 2022 18:08:04 GMT

Never have I used a debit card for any reason and don't have one. I refuse them from my bank. Just me but I like my CC, and they like me.

Sorry, I forgot this topic was about bags & jackets! Been thinking about getting a new bag but I'm still using the second D&B Dooney nylon one I've bought after literally using the first till it was ratty, that's a long time.

Re: bags & jackets

ALRATIBA — Tue, 29 Nov 2022 18:36:47 GMT

For everyday - I use a "fanny pack" if my jacket doesn't have zip or snap pockets.

I have my cards in small metal business card cases and only take the cards I need with me at that particular time.

Re: bags & jackets

gertrudecloset — Thu, 01 Dec 2022 18:09:40 GMT

@Love to Runwrote:
I don't understand why anyone would use a debit card. They offer none of the extended warranties, points, or cash back that most credit cards do. The bank will reimburse for fraud, but your funds are tied up until the claim is processed. No thanks! Our cards are paid off every couple of weeks so we never pay interest.

@Love to RunYes they do so long as it has the Visa or Mastercard Logo.