Submitted by rxspiir t3_104izzt in personalfinance

I’ve never really felt much of a difference. They’re both nearly the same to me since you do eventually have to pay the balance on the credit card. Which I do every month. It almost feels like an extension of my debit card/bank account than it does an entirely different entity.

But are there any scenarios in which using one or the other is any more beneficial?

I understand building credit is important but aside from monthly expenses like bills, I don’t really put anything else on it.

EDIT: wow. Thank y’all for the responses! Seems I’ve basically been doing things backwards lol.

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