Eli5 can someone explain debit and credit cards and why and when to use one or the other
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From someone who has wallowed in credit card card debt, and seen plenty of examples of why they are bad, credit cards are the cigarette of the financial world. They cause financial cancer.
Debit is tied to your checking/savings, and force you to budget and to be a good steward of your spending. Credit cards are marketed to be run up and accumulate debt so that you pay a fee. Millions of people struggle with credit cards.
You should not use credit cards. If you do, never carry a balance.
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