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However, if you tend to overspend, miss payments or simply can't get approved for a credit card, debit cards may be a better option. While most debit cards don't offer rewards or build credit ...

That might not be an issue if you don’t usually handle cash, but if you want to deposit cash regularly — like if you work a tip-based job, for example — those fees could add up quickly.

Some merchants may limit what type of credit card networks they accept. Paying with a credit card is convenient. You’re more likely to overspend with credit cards versus cash or debit cards.

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