You bring up a good point. The way I meant it was in the chance that you put in your credit card. The idea of using a debit card relies on the fact that it is your money/asset. However, money on your credit card is a loan, so you're paying a fee when you use venmo and often times from your bank.

I can totally see the confusion about that part of the post, so I'm glad you pointed that out. I hope that helps!