On Thu, 7 Jan 2016 13:16:08 -0000, "Ophelia" >
wrote:

>
>
> wrote in message
.. .
>> On Wed, 06 Jan 2016 22:21:38 -0800, sf > wrote:
>>
>>>On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>>wrote:
>>>
>>>> On 7/1/2016 10:50 sf wrote:
>>>>
>>>> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>>> > wrote:
>>>> >
>>>> >> On 7/1/2016 10:06 sf wrote:
>>>> >>
>>>> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>>> >> > > wrote:
>>>> >> >
>>>> >> >> If the cost of using the debit card service is 20 cents
>>>> >> >
>>>> >> > I NEVER use a debit card.
>>>> >>
>>>> >> I NEVER use a credit card.
>>>> >
>>>> > You're all cash? That's crazy. Use the bank's money for 30 days and
>>>> > pay it off.
>>>>
>>>> All debit card. I also pay invoices the day I receive them, rather than
>>>> wait until the due date.
>>>
>>>Debit card? <shudder>
>>
>> Can't imagine why! I use my debit card for most things locally - the
>> money comes straight from my bank account and by the time I am home
>> there is a notification that it was used and for what amount. It has
>> simply become my plastic cash, without the inconvenience of having to
>> visit the bank to access it. I rarely even go to an ATM these days.
>
>That is exactly how it works for us.

About fifteen years ago our banks were shreiking to be 'de-regulated'
all same the US banks. Thank god our Finance Minister of the time
Paul Martin said no! He wasn't popular but it saved our bacon when
the crash came and clearly has been in our (the little peoples) favour
ever since