However, there are times that you might need to get cash instead. It’s important to understand some of the other similarities and differences between them before deciding whether Direct Express is right for you.Ī Direct Express card is designed for you to spend the money directly as if you were using a debit card. These are some of the primary differences between these types of cards. However, nothing keeps you from using both a debit and a Direct Express card and a traditional debit card so long as you don’t get the two of them confused. You are limited by the benefits you receive each month. Unlike a debit card, you cannot manually add money to a Direct Express card. Instead, the amount of funds you have available is limited by the federal benefits you receive. You don’t have to worry about paying off a balance, taking on debt, getting charged interest, or spending more money than you actually have. Unlike a credit card, you are not actually borrowing money. Credit and Debit Cardsĭirect Express looks like a credit or debit card, and it functions much the same way when you need to spend money. However, there are several major differences between these types of cards. With that being said, you will want to be aware of some key differences between Direct Express and debit and credit cards.ĭirect Express vs. In most respects, this card will function exactly like a debit or credit card when it comes to spending your money. Instead of getting your money as a direct deposit, you can get the money entirely through this card. First, though, we need to answer a basic question: what is Direct Express?ĭirect Express is a prepaid debit card that you can get if you receive federal benefits such as Social Security, SSI, and Veterans’ benefits. In a moment, we will explore the different benefits and drawbacks of using Direct Express.
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