What do you mean by "built in" and "prepaid". My card costs me nothing while it gives me back about $1000 a year.
Debit card is not useful to me since it doesn't offer same protection credit card does (fraudulent use, identity theft etc.). I'm not afraid to use credit card over internet but I would not use debit card.
Any dispute, I might have with a store that sold me defective item or refused return is arbitrated by credit card company that applies back-charges first and then store has to prove the right to get my money. No such luck with debit card (same as cash), cash, check etc.
Debit card is not useful to me since it doesn't offer same protection credit card does (fraudulent use, identity theft etc.). I'm not afraid to use credit card over internet but I would not use debit card.
Any dispute, I might have with a store that sold me defective item or refused return is arbitrated by credit card company that applies back-charges first and then store has to prove the right to get my money. No such luck with debit card (same as cash), cash, check etc.