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This limited liability is one of the main reasons experts recommend using credit cards — especially for online purchases.

Debit card fraud protection, on the other hand, is covered by the Electronic Funds Transfer Act (EFTA) — and protection varies.

That’s in stark opposition to debit cards, which don’t affect your credit history at all. Life is more challenging when you haven’t established enough credit history: You may not be able to rent an apartment or get a cell phone plan, and you may have to put down a deposit when signing up for utilities or internet.

A solid credit history and good credit scores can also help you get better terms on car loans and mortgages, and can sometimes even help you land a job.

Your credit card, on the other hand, is like a loan: When you open a credit card, you’re approved for a certain line of credit.

Also known as a credit limit, a line of credit is how much you can spend before your card is “maxed out” and can no longer be used for purchases.

Advertising partners do not edit or endorse our editorial content. If you’re like many people, you pull out your stalwart piece of plastic: either your bank-affiliated debit card or your rewards credit card. Is there a reason you should switch to the other side?

Content is accurate to the best of our knowledge when it's published. There are a lot of differences between credit cards and debit cards — here’s when you might want to choose one over the other. Your debit card is basically like a plastic check: When you make a purchase, it takes the money directly out of your bank account.

To attain these bonuses, you usually must spend a certain amount of money after opening the card.

For example, a card might give you 50,000 bonus points after spending ,000 on the card in the first three months.

You might, however, face overdraft fees if you spend more money than is in your account.


  1. The issuer identification number also known as the bank identification number (BIN) is the first six digits of the credit card number.

  2. Pricing The company offers a free “Personal” plan but paid plans range from 0 — ,200/month.

  3. The results are that the internet has opened up a great number of chat-rooms for these people and have provided them an easy approach to talk and to further interact with them.

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  5. Many of these sites were created by credit reporting agencies.

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