Debit card VS credit card

ashart By ashart, 4th May 2015 | Follow this author | RSS Feed | Short URL
Posted in Wikinut>Money>Credit Cards

Find out the difference between debit card and credit card before you make the choice. Will help to avoid debts as well!


I have previously written an article on how to avoid landing in credit card debts, here is another article that will help you determine on which card to get, debit or credit card?

Debit card

1. You can only use this card when there is money in the account.
2. You are actually using your own money, and there is no chance of you overspending because your transaction will fail when there is not enough money in the account.
3. You will also get rebate when you use your debit card.
4. You can also do your online shopping with debit card.
5. You do get most of the discounts that is available for credit cards.

Credit car

1. You can set a limit to credit card and not overspend but the max limit is about three times of your salary.
2. Using credit card is using the bank money first and you pay them back at the end of the month.
3. Their rebate % is higher as compared to debit card.
4. Their promotions and discounts are slightly better than debit card.
5. You don't have to worry about having enough money in order for transactions to get through.


In conclusion, using debit cards are basically using your own money within your own limits, just that instead of cash, you are paying everything with a single card. Whereas, for credit card, you are using "future money" which you are not sure if you are capable of paying back.

Credit cards are more dangerous because you are allowed to use more than what u have and only require to pay a minimum payment monthly, your debt will snowball if you are not careful. Some people will also tend to apply more credit cards to cover up the payment of the previous credit card, this will result in a bigger payment at the end of the day and is totally not advisable to do so. Therfore, if you are using credit card, you have to be really careful about it to avoid landing in heavy debts.


Credit Card, Debit Card, Debts

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author avatar Carol Roach
7th May 2015 (#)

yes credit card debt is so easy when you are spending money you don't really have

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17th Jun 2015 (#)

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23rd Nov 2015 (#)

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3rd Mar 2016 (#)

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14th May 2016 (#)

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14th May 2016 (#)

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21st Sep 2016 (#)

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22nd Jan 2017 (#)


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2nd Feb 2017 (#)

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24th Feb 2017 (#)

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20th Mar 2018 (#)

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19th Aug 2018 (#)

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6th Sep 2019 (#)

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