Bob Noel wrote:

In article ,
"John Harlow" wrote:

What is the utility of a check card over that of a credit card?

No check to pay to the credit card company and no interest
payment rip-offs by the credit card company.

I've never seen a mainstream credit card company that charged interest
when the full balance is paid off every month on time. If you request,
the credit card company can directly pay your full balance automatically
on the due date each month via EFT from your bank account.

You then have all of the benefits of a credit card (no cleaned out
checking account/bounced checks if there is card fraud, full dispute
rights, 30+ day 0% interest, rewards etc) with your stated advantages of
a debit card.