Which do you prefer?

[jhellie_baby]

Do you like credit card over debit card? Or the other way around? Why?

If you ask me, I would prefer the debit card because I don't want the idea of having credits.

[manojjonam10]

I usually go for debit cards. The possible reason is that they are less riskier when compared with credit cards.

[alcher_27]

I go for debit cards too, since you can control your spendings with debit cards.

On the other hand, you can get more credit with credit cards since it is unlimited shopping. Lol. And credit cards are more prone to frauds.

[Cossette]

I always prefer debit card over credit card since it limits my spending .Well, I always like credit card incentive offers such as cash backs and gift certificates but still, I'm irresponsible in controlling credits.

[Agent Fred]

I go for debit cards, because then I'm spending money I actually HAVE, instead of money I don't. Debt is something one should go into only after careful thought, not to buy a latte and Biscotti at Starbucks.

[Lissy]

I prefer debit cards, too, for the same reason others have already stated - I don't get into debt when I use it, I spend money from my account.

[giay]

I also prefer debit card because I can keep track my spending and manage my budget as well. I need not bother pay any debt and I'll know my limits.

[Ms_Margaret]

Debit card is much more safer to use, I prefer debit card over credit cards, the reason can only be judged by the difference between the two.

The key difference between credit cards and debit cards is that each time a consumer uses a credit card, he or she is incurring debt to a credit card issuer.
Debit cards, on the other hand, are a financial instrument whereby the consumer is using his or her own money that is being withdrawn from an existing banking account that has already been funded.