alt Hacker News"Bank specific cards" are actually debit cards. As an EU-based end user I see basically no practical difference between the two (I have both a MasterCard credit card and a Visa debit card), except that many US-based online stores' payment processors refuse to work with a debit card.
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> "Bank specific cards" are actually debit cards.
Yes, but not necessarily MasterCard/Visa debit cards. Germany's Girocard for example is a national debit card scheme that does not use any of the American grifters. Unfortunately, it's being phased out in favor of MC/Visa because the EU fee cap on national schemes is much lower than for MC/Visa and so banks can make more money off of you.
We're just standing by and watch our dependence on American grifter megacompanies larger every day.
> except that many US-based online stores' payment processors refuse to work with a debit card
I have never encountered even that. My debit card also works great for in-person payments in the US, with the only exception perhaps being rentals.