WARNING: Never Use Your Debit Card

Risk Management - Using a debit card for payments carries a higher risk because fraudulent activity directly impacts the user's bank account [1] - Credit card fraud primarily affects the bank, not the cardholder [1] Financial Strategy - Paying credit card balances in full each month results in zero interest charges [1] - Credit cards often offer rewards for spending, incentivizing their use for regular purchases [1] Banking Perspective - Debit cards primarily benefit the bank [1] - Credit cards can be leveraged to make the bank work for the cardholder [1]