Debit card or Credit card?

[Heatman]

When it comes to banks tech card that is used to access funds from your account, which do you like using between a debit card and credit card?

Personally, I like debit card because it helps to cut my spending unlike credit card.


What's the reason why you choose a debit card over a credit card? Do you feel its convenient for you to make use of both in case?

[Henrywrites]

I am okay with getting both a credit card and a debit card. To me, it is all the same. I want to always be in control and there are times that the credit card will be of immense help to me. So, ruling one out in place of the other is not the best move for me.

[Ravenfreak]

I only have a debit card currently, though I've been thinking of applying for a credit card to use just on gas and food. I wouldn't want to use a credit card on anything else especially very expensive gadgets. It'd take a long time to pay them off and I wouldn't want to be in debt. My parents ended up doing this in the 90's, they got credit cards and never paid them off so they were in debt.

[deucher]

I have never used a credit card because for me there is no need for it because I plan everything in advance so I always have funds but just in case I have a debit card from another bank where I also store a certain amount.

[Bizdustry.com]

I mostly use a credit card for my purchases. That way, I am covered if something goes wrong by creating a chargeback to the seller. Plus, using a credit card responsibly can help build your credit rating

[Ginger]

I have used debit card all my life but from past one year I am using credit card and I like it more because I know I need to pay after some time and also earn rewards in the process.

[Kennysplash]

I don’t want a situation where I would not be indebted because of my spending. That is why I would always prefer debit cards to credit. I’ve never even used a debit card.

[Shortie]

I much prefer a debit card than a credit card. With a debit card, I can only spend how much I have in my account and can not go over that at all which is ideal. I always fear that if I had a credit card, I would more than likely end up spending too much and struggle to pay it back.

[Ginger]

For a major part of my life, I have preferred debit cards but since last year I have started to use Credit cards and they are even better and are rewarding.

[freelancermaria]

I prefer using a debit card because it allows me to limit my spending. I used to have a credit card, but I decided to stop using it due to the difficulty I experienced in paying off my credit card debt. I do not want to go through that experience again.