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Credit & Debit Transactions

What Should You Know About Debit & Credit Transactions.

Credit vs Debit

Credit or Debit ? According to blog.credit.com; Debit and credit transactions are processed differently: Here’s how MasterCard explained it in an emailed statement to Credit.com: Debit and credit transactions are processed differently: Here’s how MasterCard explained it in an emailed statement to Credit.com: When you use a debit card and your PIN (personal identification number), the transaction is completed in real time, also known as an online transaction — you authorize the purchase with your PIN and the money is immediately transferred from your bank account to the merchant. With a credit card, or using a debit card as credit, it’s an offline transaction.

Facts About Credit

A plan that is strategically balanced among domestic and foreign stocks, bonds, cash, and other investments reduces the risk of drastic changes in the value of your investments while giving your portfolio ample opportunity for growth.

Facts About Debit

Excessive fees can drag down investment growth over the long term. Studies have shown that funds with lower fees have been better predictors of higher long-term returns than funds with higher fees or a fund-rating system.

Tax Awareness

Taxes can take a big bite out of your investment returns. Effective asset location, tax-loss harvesting strategies and a low-turnover approach can help boost your bottom line and keep more of what you earn.

Cost Efficiency

Excessive fees can drag down investment growth over the long term. Studies have shown that funds with lower fees have been better predictors of higher long-term returns than funds with higher fees or a fund-rating system.

Tax

Taxes can take a big bite out of your investment returns. Effective asset location, tax-loss harvesting strategies and a low-turnover approach can help boost your bottom line and keep more of what you earn.

Cost

Excessive fees can drag down investment growth over the long term. Studies have shown that funds with lower fees have been better predictors of higher long-term returns than funds with higher fees or a fund-rating system.

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