Credit Card verus Debit Card

I wish I had never known what a credit card is..they can be deadly and put you in debt.

hence why i'm always broke..I only have a debit card so if i pay bills and buy groceries..I have to wait till the next month to possibly get more brownies..

It is the main reason why I never use directly a credit card online. When I need to buy something, I check if PayPal is available and I pay with PayPal if it is, or I use a disposable debit card with only the amount needed if it is not an option. About 5% of people are victims of a credit card fraud when they buy something online : it is enough for me to be careful.

That is why I always use debit instedit of credit card.

I had my credit card cut when it was becoming a burden to maintain it. I don't have a debit card though I plan to have one soon.

Credit cards can be really bad if you don't pay them off within 30days. We fell into a large amount of credit card debt and we ending up having to file bankruptsy. I wished we would have done things a whole lot different. To all you out there just starting your lives in the credit card world BEWARE they can be VERY ADDICTIVE. It's like it's money you really don't have and will pay dearly in interest if you're not careful. Please learn from someone who's been there. If you can discipline yourself and pay it off in 30days well it will help to build your credit, but if you only pay the minimum you are already in trouble!

It is too easy to get out of the habit of paying off the balance on the credit card and get yourself into trouble. I use my debit card for everything. I recently got a Paypal debit card which is so great. Credit cards are too easy to get you into trouble. I'd stay with the debit cards. If you can't afford something then you shouldn't be getting it anyway.

In my Bank they charge you a small amount for having a Debit Card so I turned it over and now I only use the credit card and a check when I need to.

I do not have credit cards as I have noticed many go beyond what they have in their bank. Debit card is my style.

I have used credit cards in the past. And to be honest, they are more trouble than they are worth. I like my debit card way better. It keeps things in line and keeps things within my budget.

Credit cards can be very evil. I only use it for gas and little stuff. I do pay it off monthly though. I do not wish to pay interest. I like my Best Buy credit card since their is no interest on it.

i only use debit cards to pay goods in shops and sometimes make online shopping. i don't want to purchase credit cards because debit card is enough for me i can be used anywhere where the credit cards are accepted also.

I had credit cards when I was younger and got into debt foolishly. Now, I don't have any credit cards and prefer it that way. If I can't afford it, I don't need it.

well in my opinion both have their merits as well as demerits if u have recognized so far... a credit card is useful when u don't have money in your bank account whereas a debit card is useful when u don't want to carry hard cash. so depending upon the need and situations people have their own preferences and choices

It is quite a few years since I had a credit card. However, when I did use a credit card is was for convenience only. I would use it to purchase large items such as a television or furniture etcetera and always cleared the balance as soon as the bill arrived. Due to only buying items that I already had the money to pay for I can honestly say that I have never paid interest on such a card. Since debit cards became available I have no use for a credit card at all because the debit card will provide the exact same service in my case.

Credit card if used judiciously is always better than a Debit card. When using a credit card one must remember to pay the bills before the due date, otherwise bank issuing credit card levies heavy penalty and stops providing credit facility. I prefer using credit card for my transactions.

@Marcyaz I have Visa Debit Card that can be transacted from my balance .. I also want not to apply for a Credit Card ... though it has some benefits .. The indirect charges will be bitter to hear .

Credit card is useful when you do international internet transactions and there will be a credit limit. You must have deposited an amount at the bank that issues the credit card. It is safe and useful.

I'd choose debit card any day. I think it makes me more alert and responsible somehow. Plus, I know that it's my own money and not the bank's. I terminated my credit card years ago.

I only have a debit card and like it that way. I don't need to worry about that 21% or higher finance charges on the unpaid balance.