5 Places You Shouldn't Use Your Debit Card and 3 Situations When You Should

5 Places You Shouldn't Use Your Debit Card

Using a debit card can seem convenient, but there are several locations where it might not be the best choice. Here are 5 key places to avoid using your debit card:

• Restaurants: Most debit cards offer no rewards, while credit cards can provide points for dining.
• Hotels and Car Rentals: Using debit cards can lead to holds on your account, impacting your available funds.
• Online Shopping: Credit cards typically have better fraud protection compared to debit cards.
• International Travel: To avoid exchange fees and potential fraud, credit cards are often safer.
• Subscriptions and Recurring Charges: Use credit cards for better rewards on regular expenses.

3 Situations When You Should Use Your Debit Card

While it's usually best to avoid using a debit card, there are specific times when it makes sense:

1. Budgeting: Using a debit card can help you stick to a budget without overspending.
2. Cash Back Offers: Some debit cards provide cash back, which can be beneficial.
3. ATM Withdrawals: For direct access to cash, debit cards are essential.

By carefully choosing your payment methods, you can maximize financial benefits and make smarter spending decisions.