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Technological progress has transformed how we pay regularly for things. Now it becomes more and more common to slide or press your card or smartphone when you sit in the register, even for the most minor purchases. But if you opt for your debit card instead of your credit card , you may want to think twice. According to experts, there are several situations in which you should avoid putting your spit. Read the rest to discover purchases where you should never use your debit card, according to financial experts.

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Keeping your vehicle powered can often look like the largest drainage in your budget. Of course, recent sky prices have almost assured that most of the trips to fill out will require a blow to cover the cost. But even if gas prices are starting to fall back to normal, you may want to break the habit of using your pump debit card.

"Many service stations pre-authorize a certain quantity before pumping gas, which can lead to a temporary plug over a large sum of your funds," explains TIM DOMAN , THE Newly appointed CEO de Topmobilebanks. "If you do not have enough funds in your account, this can lead to overdraft fees and other penalties. The use of a credit card allows you to avoid these holds and potential overdrafts."

It is rare for anyone to make an expensive purchase to present themselves with money to cover the cost. But if you are on the market with large ticket items such as jewelry, electronics or household appliances, experts warn that you would probably be better to use a credit card instead. In addition to being able to take advantage of the extensive guarantees or the special return policies they can offer, credit cards have other advantages.

"Debit cards are risky to use because fraud protection services are much more limited compared to credit cards", explains Robert Farrington , founder of The college investor . "If there are problems with transactions, money comes out of your current account. This could put you in a difficult situation when it comes to paying bills or rent."

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There are a lot of advantages to slip your card when you travel internationally. In addition to avoiding costly costs associated with exchange of currency , you will also avoid losing big sums of money due to a poorly placed wallet or flight. But before slipping, make sure you don't use a debit card to make your purchase.

"The conversion rate used by automatic foreign ticket distributors can lead to a lower exchange rate than you get with a credit card," said Doman. "In addition, foreign transaction costs can be considerably higher with a debit card. If you are traveling internationally, it is best to use a credit card without foreign transaction costs or withdraw money In local currency using your debit card only in an emergency. "

Let's be honest: paying your monthly bills is never a fun activity. Fortunately, it is much easier to manage them with online payments, some of which can even be made automatically. But it is not because you can set your contributions via your phone or computer that your debit card is an appropriate option.

"If you have recurring payments for services such as a gymnasium subscription, a subscription -based service or a public service bill, it is preferable to use a credit card," advises Doman. "If a recurring payment is made using a debit card, temporary intake or pre-authorization can be placed on your account, which potentially results in overdraft or unavailable funds."

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Electronic commerce has made purchases so practical that it can sometimes be Also easy. After all, it can be difficult to refuse what looks like a fantastic affair on an article on which you had your eye. But before choosing something that has been shipped to you, experts warn that you should think twice about your payment method. AE0FCC31AE342FD3A1346EBB1F342FCB

"I advise you to use a debit card for online purchases, especially on the sites that you do not know or that have a doubtful reputation," explains Doman. "The debit cards are directly linked to your bank account, which allows hackers to access your funds more easily if your information is compromised. On the other hand, credit cards offer greater protection against fraudulent purchases, because You can challenge the costs and your money is not directly linked to the card. "

This can also make events such as data violations or identity theft more expensive to manage. "Yes, if there are fraudulent transactions, the bank will reimburse you the limits authorized by law, but that could take more than 60 days," explains Farrington. "In addition, depending on that when you inform your bank, you could be on the hook for some of the problems. If you inform your bank within 48 hours, you can still have to $ 50 - and after two days, you may still have to 'at $ 500! "

Traveling is a case when purchases can accumulate much faster than usual. City meals to explore stores and stores in a new city, it can be much easier to spend money on the road. But before going to register in your accommodation or withdraw the car rental land, you should consider having a credit card at hand to pay them.

"People must know when they travel that renting a car using a debit card can cause a large amount of money from your bank account. And many hotels pre-authorize a certain Amount on your debit card for accessories such as room service or internet use, "said Doman Better life . "This can lead to a large sum of your funds, which makes it difficult to access your money for other expenses. Using a credit card can help avoid these wedges and potential overdrafts."

"In addition, car rental companies can also check your credit scoring when using a debit card, which can cause other sockets or decline," he adds.

Best Life offers the most up -to -date financial information for the best experts and the latest news and research, but our content is not supposed to replace professional advice. Regarding the money you spend, save or invest, always consult your financial advisor directly.