Currently using the tune card. Only problem is wth the fpx transfer. Delay in getting it updated in their system.
Other than that loving it soo much. Don't have to worry about overspending or carrying a lot of cash if want to buy expensive items.
I agree that it would be more convenient to use a credit card, but it also gives the user more opportunity to abuse it as well. Weather on purpose or by accident. With a debit card, you wouldn't have any of those issues.
Regarding the charges, if you were to calculate the interest charges should you default your cc payment......I'm sure you guys can do the maths.