I use both, but try to use debit cards mostly offline, and only use the credit card (gotta take advantage of those cashback offers!) for budgeted items only. Each has greater "dangers" (I would call them risks) than the other associated to them. You have to be mindful of the situations where each is riskier in order to avoid harm.

Debit cards are not dangerous. Cash is dangerous. I've been using debit cards for 25+ years and it just works for me. Credit cards use money that's not mine and charge high interest rates. I'd rather just spend my own money without going into debt and also allows me to not carry large sums of cash.

@GarrettGundersonTV

9 күн бұрын

How is it different if you pay it off? Other than the extra benefit!

@billtruttschel

9 күн бұрын

@@GarrettGundersonTV With debit, I don't have to worry about paying it off. Paying off a credit card every month would be an added layer of unneeded stress.

Ok but your forgetting about one think what if you get hit by a truck this afternoon. These what ifs go nowhere and are essentially non statements if you don’t tie them to real statistics.

If I lose my debit card, I just cancel it. If I lose money it's gone forever. If someone steals money from my bank account though my debit card my bank has fraud protection up to $200k. If someone steals cash from my wallet, it's gone forever. Which is more dangerous?

@GarrettGundersonTV

9 күн бұрын

Credit cards are more protected than debit cards. But I hear you on cash.

@MNNski

9 күн бұрын

@@GarrettGundersonTV Well I also use credit cards because of the reward points. I found a couple credit cards that have no annual fees and don't charge interest until the end of the pay period. I just make sure to pay them right away. My debit card is still useful because I use it for getting cash from atms for cash transactions or for buying my monthly lotto ticket.

Lmao spends the whole short talking about why he doesnt use credit cards and then claims he uses credit cards. Shill

@GarrettGundersonTV

9 күн бұрын

I don't pay interest on credit cards. Use and pay them off. I don't use debit cards at all

Thank you so much

@GarrettGundersonTV

9 күн бұрын

You're most welcome