Getting ahead with debit

With many consumers looking to trim the fat from their spending habits, debit cards can help to keep tabs on outgoings by putting a cap on spending, it has been claimed.

However, points out that people should always check whether there will be a surcharge before using their debit card, while it is also important to make sure hefty overdraft charges are avoided.

The website pointed to recent figures indicating that 46 per cent of all cases of people going overdrawn are the result of splurges on debit cards.

If people are a little too overzealous with their card, the site recommends calling the bank immediately to let them know.

Linda Sherry, director of national priorities for Consumer Action, explained: “If you’re a good customer, they’ll sometimes waive the fees as a courtesy. If it happens again, though, soon after, you’re not going to be viewed as a good customer anymore.”

Elsewhere, has noted that debit cards are useful tools for those consumers who find that using credit cards tends to push up their total outgoings as they give in to temptation.ADNFCR-1761-ID-18817295-ADNFCR