•Debit cards offer direct access to your bank account, making fraud recovery difficult and risking instant loss of funds.
•Credit cards act as a 'bodyguard' against fraud, as the bank's money is at risk, making disputes easier and protecting your balance.
•Credit cards can be a 'sweet trap' leading to debt if financial discipline is lacking, with high interest rates (36-42%) on minimum payments.
•Use credit cards for online shopping, hotel bills, and petrol, but debit cards are best for ATM cash withdrawals to avoid high charges.
•Neither card is inherently dangerous; user carelessness determines the risk, with debit cards risking instant pennilessness and credit cards risking financial ruin.
