 Hello everyone. This is your author Amit Dan of Iran Journal. Today, I'll talk about whether should he use debit card or a credit card. A common question we hear these days is whether when making purchases should he use a credit card or debit card. I have seen even ads running on TV warning consumers not to use credit cards and use debit cards. Structurally enough, the answer depends on what type of person you are when it comes to managing debts. Debit transactions come out of your bank account based on your available balances so you are not piling up debts. On the other hand, credit transactions are a short-term, interest-free loan or can be a long-term, high-interest loan from your credit card companies. If you have difficulty managing your finances and are unable to pay off your credit card balances in full every month, a debit card is definitely your answer when shopping because you cannot buy more than you can afford. If you are excellent in managing money and always pay off your balances in full, definitely stay away from debit cards and use your credit cards. Credit cards offer unsurpassed security, protection, guarantee, warranty, rewards and much more that debit cards will not be able to offer. However, at the end of the day, all these features offered by credit cards will not make sense if you keep balance on them and pay skyrocketing interest month after month. From my own experience, I will not put a single dollar purchase on my debit card as it translates into me losing the opportunity to earn free miles or points towards my next travel. So, use diligently. Credit cards can be your friends towards earning free or partial free travel or free cash back that debit cards can never offer. That's all for today. Thank you.