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    You don't use your PIN and you usually cannot get cash back.Using a debit card with the credit option does not mean you will have to pay interest on the purchase amount down the road.Navient's third annual "Money Under 35" survey, which was conducted by research firm Ipsos, was released Oct. See more Designed for ease-of-use and instant gratification, the new Uber Visa card's most compelling feature is a 4 percent rewards rate on dining out.Bonus: The Uber card is the newest card in our reviews of rewards credit cards.For most consumers, it's a familiar process: A new credit card arrives in your mailbox, you open the envelope, and the card bears a sticker reading, "Please call from your home phone to activate your card." Until then, your brand new credit card is as useless as a paperweight -- and just as secure, right? The startling truth is that while some unactivated cards are automatically declined, many others sail through a purchase without a hitch.

    "But I'd bet most Americans think you cannot use a card unless you call and activate it." 'It went through' Linda Pack of Norfolk, Virginia, is one of the few who already knew that activation wasn't necessary.Three-quarters reported carrying at least one type, with credit card balances topping the list at 4 in 10 millennials.Though student loans ranked second at 31 percent, that represents a considerable margin below the 40 percent who hold card debt.You usually have the option of getting cash back as well.The credit option routes the transaction through one of the credit card processing companies.

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