Credit Card or Debit card?

In my opinion debit card is way better than credit card,because credit card comes with certain insecurity,and I do have some uneasiness to use credit car for shopping online offline.But in case of debit card I do feel secure that I don't have to pay any extra fees,and the money is debited directly from my bank account.So,I always choose debit card over credit card.

A credit card is only a good thing if you can (or will be able to in the near future) pay off the balance in full. It is useful if you have a regular monthly income or like to pay bills monthly. It is useful if there is an emergency expense which you cannot cover at the moment but know that you can within 50 days (or whatever the payment system of the card allows you as free credit). It allows you to consolidate payments into a monthly amount and it also can allow you some leeway if you have a large unexpected payment and you need to negotiate a loan (at a cheaper rate to the credit card, of course). If you use a credit card to run up debts that you expect to pay off in small amounts monthly, it is a very expensive way of borrowing money. Sometimes it may be the only option but you should certainly be aware of that before you think about applying for one! If you do want to apply for a credit card, shop around first. Do not simply take what your bank offers: it may well not be the best deal around. All credit card companies will tell you what their rates and charges are and you can compare them using the Annual Percentage Rate figure. This is a rate which is, apparently, complicated to calculate (I once asked my Bank manager to explain it to me and he confessed that he didn't know how it was calculated!) but it is supposed to allow you to compare various different financial packages. Low is better, on the whole, but there are other things to consider which may make one card more suitable than another for you.

I stopped using credit cards ten years ago and have never had any problems. I use debit cards only. Most stores accept them exactly as if they're credit cards, some treat them seperately and you have to give your pin number. With a debit card, you can never go into debt, and you never pay any interest to the credit card company. As long as you can keep close track of your bank balance, your debit card will never get you in trouble with being overdrawn. For people who like to impulse shop, it's a good way to avoid temptation, because you can't spend more than you have.

Debit card is better because you know you have the money when purchasing stuff. A credit card, you may go crazy because it is not being taken out of your account and you may regret buying what you have when the bill comes at the end of the money. But applying for credit is good to make your credit score better :)

The only way I would use a credit card is to make small purchases that I know I could easily pay off every month even if something were to come up. I just got an account with a debit card because you cant really get yourself into debt. You have a set amount of money with a debit card and you control how much money you have. You could get an overdraw fee but I'm guessing in the long run I would rather pay a one time overdraft fee than months and months of unnecessary interest. Plus I am pretty good with my money and keeping track of it so I would make sure not to overdraw. So I would suggest Debit card because really the only difference between the two is credit cards give you temporary money.