Credit Card vs. Debit Card: Which is Better?
An example of an AI chatbot conversation about credit cards and debit cards.
What's the difference between a credit card and a debit card?
A credit card allows you to borrow money up to a limit to make purchases, while a debit card withdraws money directly from your bank account.
Which one is better for everyday purchases?
It depends on your spending habits. Debit cards help you stick to a budget, while credit cards can offer rewards and build credit.
Are there any fees associated with credit cards?
Yes, credit cards can have annual fees, late payment fees, and interest charges if you carry a balance.
What about security? Is one safer than the other?
Credit cards often offer better fraud protection compared to debit cards, which can expose your bank account directly.
Can I use a debit card for online shopping?
Yes, most online retailers accept debit cards, but make sure you have sufficient funds in your account.
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