Credit Cards: you are borrowing money, you can borrow as much as you want up to your limit, must pay interest on the money you spend, may offer rewards for your spending, can make a purchase without having available fund, makes it easy to spend beyond your budget, involves fees for late-payments, Debit Cards: takes money directly from your checking account, must have a checking or savings account to get a card, can access only the amount in your account, no interest charges, prevents you from making a purchase you cannot afford, will charge an overdraft if you overspend, it is your own money,

Debit vs. Credit

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