She was paying for her lunch when her debit card got rejected in front of everybody.
You can make public your phone records as well as every purchase you make on your debit card.
If you had the choice, would you rather use your debit card or your smartphone to access your account at an ATM?
The best rates come from your debit card, but be sure you have one with international perks like HSBC Premier.
Generally speaking, to buy stuff online, you need to have a bank account, a debit card, and credit cards.