Credit Card or Debit Card – Which Should You Use?

At a glance, both let you make purchases, but they work very differently:

• Credit cards let you borrow money from the bank, build credit, and often come with rewards and fraud protection.
• Debit cards pull money directly from your bank account, making them great for budgeting with no risk of debt.

When should you use each?

• Credit cards are ideal for online purchases due to fraud protection and for big expenses that you want to pay off over time.
• Debit cards are great for everyday spending if you prefer to stick to a budget and avoid debt.

Both have their place in smart money management—it all comes down to your financial habits and goals.