Debit Card or Credit Card?

I use a credit card for the convenience it offers, but I make sure that I never spend more than I can afford and also pay my account in full every month so that I never have to pay the bank interest. If you have the discipline to use it that way then you're getting a free loan from the bank every month, so it's really worth it.

Greetings, John! A credit card is a financial instrument that, if used properly, will aid you a lot. It is also a sharp knife if you can't handle it well, as it will ruin your financial health. A credit card is meant for people that can handle their own money, people who program their budget and knows exactly how much they can spend. If you are on this side of the game, it means you can program your finance for few months, deciding to buy something and paying it little by little. However, if you do not know how to handle it, you'll end up using all the limit in your credit card and, since it has a high interest rate, you'll end up troubled. You have to take in consideration, as well, the fees you're going to pay for having a credit card. Sometimes they're too expensive and it doesn't compensate. Lastly: it is always better if you can buy things on debit. However, we know it is not the reality of many. If you cannot handle your impulse on buying, though, it is not advisable to own one! Regards!

I don't think I have a preference. For debit cards, you can budget yourself better but for credit cards, if someone ever uses your card to buy things, you can fight it easier (because they haven't actually taken your money yet). It's up to you though. You could get both.

i dont agree with your friend :) personally i prefer the debt card, at least i only use the money i have . and stay away from credits and the promises that i will be paying it at the end of the month, there is a saying ( never stretch your legs longer than your blanket) so you know what to do , when you use the debt card and never get the temptations by the credit :) stay safe