[jstarfish]

It is a discount to that customer demographic.

For debit cards, imagine your account has $0.01 in it and about to be overdrawn. Each transaction from here on out will net you a $35 overdraft fee.

Accounting for the fees, would you rather have 5 immediate charges of $1, or 1 delayed charge for $5?

For credit cards, there's no overdraft, just a hard cutoff.

[prirun]

> For debit cards, imagine your account has $0.01 in it and about to be overdrawn. Each transaction from here on out will net you a $35 overdraft fee.

Everyone using a debit card, especially if poor, should disable overdraft protection at the bank. The fees will eat you alive otherwise.

[baremetal]

be careful I disabled overdraft protection and my bank had an additional layer "courtesy pay" that also changed an overdraft and they didn't tell me about it. I found out the hard way.

[NoZebra120vClip]

Yep, same here - there is no escaping the predatory fees. Also, vendors go nuts if your purchase is declined for any reason now. They will cut you off. So you can't win for trying.

[Spooky23]

Nobody should ever use a debit card.