What’s an Advantage of a Debit Card Compared to a Credit Card? (APEX)

[Brown92]

Just wanted to chime in on this for anyone wondering about the difference. One clear advantage of a debit card over a credit card is that you're spending your own money, not borrowed money. That means there's no risk of going into debt or paying interest, which can definitely sneak up on you with credit cards if you’re not careful.

With a debit card, you can manage your budget more easily because you're limited to what's in your account great for staying on track financially especially if you’re still building money habits or want to avoid credit altogether.

Anyone else prefer debit for certain purchases?

 

[calar pipe]

100%....... Debit cards keep me honest. Can’t spend what i don’t have unless i overdraft… which I’ve definitely done before

 

[Sophia. Davis]

I only use debit at sketchy gas stations. Credit got skimmed once and I had to fight for my money back. Never again.

 

[Jackson White]

Actually debit cards don’t offer the same fraud protection as credit. Learned that the hard way when someone bought $300 worth of Crocs on my account

 

[Mia Harris]

Back in my day we paid cash. Debit was like a miracle. Now everyone’s arguing about which invisible money is better

 

[Belly]

Not gonna lie, i use debit just to avoid the anxiety of forgetting to pay my credit card bill. I don’t need that stress.

 

[Jack layers]

I’d argue credit builds credit history which is pretty vital for car loans, mortgages, etc. Debit doesn’t help with that at all.

 

[Joshi J]

set up a separate checking account just for debit purchases. Keeps spending clean and trackable

 

[Sultan111]

I use credit for the rewards, pay it off instantly, and use debit when i’m hangry and can’t trust myself

 

[Sultan112]

I’m on a cash envelope system but digitally, so debit cards are a must. Works wonders

 

[Ethan Miller]

I use my credit card for everything but i totally get the appeal of debit. It’s like the financial version of a safety harness.

 

[Olivia Tom]

Using debit makes me feel more in control. Using credit makes me feel like an adult. I am neither.

 

[Aaron Clark]

I tried using only debit for a month to reset my spending habits. It worked… until Sephora had a sale. RIP savings

 

[lily Martin]

Absolutely agree. Debit cards are great if you’re trying to avoid interest or debt traps. They’re like built-in budget enforcers.....once you’re out of money, you’re out. No tempting safety net.

 

[Noah Martinez]

I switched to using mostly debit after running up $8k in credit card debt in college. Never again. If I don’t have it in my account, I don’t spend it....simple

 

[Emma Thompson]

Yeah, but what about fraud protection? Credit cards usually win there. With debit, you’re waiting for your actual money to be refunded. That sucks.

 

[Kevin Wilson]

True, but most banks have caught up with decent fraud protection for debit too. Still credit is def better in that one area.

 

[Megan Brown]

Totally get this. I’m on a financial reset and debit has helped me feel more in control. I check my account way more now before impulse buying.

 

[Andrew Jones]

Remember when we all just used cash? Debit is the new cash for people who hate quarters.