A debit card is a card issued by banks to customers. Like Credit card, it’s aimed at providing an alternative payment method to cash when making purchases. The funds of your debit card are withdrawn directly from either the bank account, or from the remaining balance on the card. So you see the difference between the debit card and credit card. The debit card don’t allow you to use a line of credit that can be repaid at a later time. So, we give you some tips on using a debit card.

Do not link to an account with a lot of money.

It will brings a big risk if you link a debit card to an account with a lot of money. You may lose all your money in your debit-card-linked checking account. Just keep enough in the account to cover your current purchases. If your debit card is lost or stolen, it must be reported within two business days to limit liability to $50. If a lost or stolen debit card is reported within 60 days, liability can go up to $500.

Do not use debit cards for big purchases.

They don’t offer the same protection that credit cards do. Credit cards allow you to reverse or dispute charges, and some will even extend the length of warranties.

Pay with credit card online instead of giving a PIN.

Card companies might extend the same zero-liability protection to debit cards as they do to credit cards if the debit cards are processed like the latter, but PIN transactions might not have that protection. If you use a credit card, your liability for unauthorized charges is capped at $50, no matter what. So click on credit in order to reduce your bank interest.