I stopped paying bills with my checking account and debit card — and here’s why:
✔ Fraud protection: with debit, stolen money is tied up. With credit, it’s the bank’s money, not yours.
✔ Credit building: debit cards don’t build your credit score, credit cards do.
✔ Rewards: debit earns nothing, credit can earn cash back, miles, or points.
✔ Consumer protection: disputes, warranties, and coverage are stronger with credit.
This is just another way I use debt — but I don’t have debt. My credit card is paid off in full every month before any interest is charged.
#creditcardtips #moneymanagement #personalfinance
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