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Originally posted by LightinDarkness
That would be a horrible move for the consumer, and would make the merchants very happy.
You'd lose: a interest free loan for a month, chargeback rights, credit card rewards points, extended warranty protection on your purchase, theft protection on your purchase, etc. Check cards do NOT carry the same perks as a credit card - the perks, if any exist depending on the card - are all of lesser quality than credit card perks.
I have no problem owing people money when I don't have to pay them back for a month before they start charging me for using their money!
No matter where you're shopping, you can feel confident using your Visa check card because we're always working to keep you safe — providing multiple layers of security. For example, with Visa's Zero Liability, you're protected against unauthorized use, so you won't have to pay for fraudulent purchases you don't make.
Debit cards have the same security protections like as credit cards. Just like credit card cards, debit cards have Zero Liability* fraud protection and dispute resolution options.