Why You Should Always Use a Debit Card Instead of a Credit Card
✅ Debit card: your money, your rules
When you use a debit card, you’re paying with your own money, straight from your bank account.
It’s like using cash, but way more convenient.
🔒 Purchase protection?
Yep! When you run your debit card as credit (which may show up as “pending”), you still get the same protections Visa or Mastercard offer for credit cards.
🚫 Credit card: someone else’s money—with strings attached
Using a credit card means you’re borrowing money. That money isn’t yours, and it comes with a cost.
If you don’t pay off the full balance on time, you’ll face:
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High interest rates
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Extra fees
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A cycle of debt
💡 Credit card perks like points and rewards may sound nice, but they’re not worth the risk of getting trapped in debt.
💥 The bottom line
Stick with your debit card, spend only what you can afford, and stay in control of your money.
Read more: Debit vs. Credit: Which is Better?