April 8, 2014 (The Dave Ramsey Show)

"The biggest downside of the debit card is that sometimes when you check into a hotel or rent a car, they will put a hold on a portion of the money in your checking account. So if you are very limited on money on your checking account and they put a hold on it and another transaction that you did tries to go through, it might bounce a check for you." Dave Ramsey

March 25, 2014 (The Dave Ramsey Show)

"If you get obsessive about points and rewards cards, if they change your behavior patterns much, you really lost the battle to them...just watch yourself being manipulated." Dave Ramsey

March 25, 2014 (The Dave Ramsey Show)

"The thing about reward cards of any kind is this: they are trying to get you to engage in a behavior that is to their benefit, otherwise they wouldn't be giving you a reward." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"This idea that the debit card is more risky than the credit card is absolute bull, the debit card has the exact same fraud protections." Dave Ramsey

January 29, 2014 (The Dave Ramsey Show)

"My debit card will take me everywhere your credit card will take you, it's a Visa and it will be accepted everywhere that Visa is accepted. Now, some hotels put a hold on your account for the amount of the room so you actually need to have some money in your account, hello, there's a thing. Don't be traveling without money and if you're too broke to travel, you stay home." Dave Ramsey

December 10, 2013 (The Dave Ramsey Show)

"Don't believe people when they say the debit card has higher risk for theft and fraud than a credit card does; Master Card and Visa both have debit card programs and they are treated exactly the same if you're not using your pin and running it through their system using the purchases as if it were a credit card." Dave Ramsey

December 17, 2012 (The Dave Ramsey Show)

"Credit cards don't give you a transformation of the heart and you gotta have one of those to win with money to be a saver, a giver, and a wise spender." Dave Ramsey

December 17, 2012 (The Dave Ramsey Show)

"A debit card will do everything a credit card will do unless you're wanting to buy something you don't have the money to buy, which of course is the activity of someone who doesn't want to be wealthy." Dave Ramsey

October 3, 2012 (The Dave Ramsey Show)

"I rent cars more than any six of you put together cuz we go all the time around here and I use a debit card in all of our travel. Do you know how many times I have a dispute that I can't handle at the counter? Almost never, and I'm not gonna fool around with a stupid credit card over the issue of a dispute." Dave Ramsey

October 7, 2010 (The Dave Ramsey Show)

"If you've got an envelope that has a limited amount of money in it, that you've agreed with your spouse on and you pull actual cash out of that envelope to buy a soft drink, all of a sudden that soft drink feels 3 times more expensive, so it will cause you to just think" Dave Ramsey

October 7, 2010 (The Dave Ramsey Show)

"When you spend with the debit card you don't feel the pain that you do when you spend with cash" Dave Ramsey

October 7, 2010 (The Dave Ramsey Show)

"The debit card for 5 dollar purchases at the stop and go market, that's just ridiculous" Dave Ramsey