3 Reasons to Choose a Credit Card Over a Debit Card When Shopping Online

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Happy smiling girl using laptop and credit card. Online shopping concept

Being that it’s the 21st century, almost everyone already shops online. Buyers usually put more attention into what they’re buying than how they’re paying for it, but whether a buyer pay by a debit or credit card is actually a significant consideration. Here are some advantages of using credit card rather than a debit card.

1. You earn rewards when spending

With the unusual exception, when you make a purchase using your debit card, you get nothing back. You spend, it will be deducted from your account, and that’s that.

2. You’re at less danger if your card number is stolen

Once someone got your debit card info, they crucially have access to the money in your account. They can spend your money and empty your account, at least until you notice the illegal transactions. You will be able to reimburse the stolen money, but that takes weeks or even months.

Although a thief can also make purchases with your credit card information, they won’t be able to touch the money in your bank account.

3. Smarter way to shop online

We are not saying that debit cards are a bad way to shop online. Credit cards just have the benefits and protections that debit cards do not have.

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