Both credit and debit cards have their advantages, but the right choice depends on your financial habits. Credit cards offer rewards, build credit history, and provide fraud protection, but they can lead to debt if not managed responsibly. Debit cards, on the other hand, help you spend within your means, avoid interest charges, and provide easy access to your own funds.

If you want to build credit and can pay your balance on time, a credit card is a great tool. If you prefer to stick to a budget and avoid debt, a debit card is the better option. Understanding your spending habits can help you decide which one suits you best.