Free Debit Card

Free Debit Card

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When do I use a debit card versus a credit card?

A Debit Card has the same available balance as your Checking account and doesn’t charge interest.

You can’t spend any more money than you have in the account, which helps you avoid building unmanageable debt. And, since the money is coming right out of your Checking account, it doesn’t need to be paid back.

A Credit Card has a credit limit and usually charges interest and fees. You can continue spending with the Credit Card until you’ve reached the limit. The full amount you’ve spent must be paid back in monthly payments, with interest and any fees. Late payments can affect your credit history, and usually include high late fees. Be careful about building Credit Card debt – it can be very hard to pay back.

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