Ask Shannah: Credit Card vs. Debit Card - Which Should You Use?

In this Ask Shannah episode of "Everyone's Talkin' Money," I'm diving into the debit vs. credit cards debate. We explore the similarities between the two - they both have logos like Visa or Mastercard and can be used for in-store or online purchases. But when it comes to safety, things get interesting. Gas stations, for example, can be risky spots for credit card scammers. That's why using a credit card is generally safer here, as it offers more protection against potential bank account drain. However, personal preference and money habits should also come into play. You'll learn how to figure out what card is right for you. Episode Timestamps: [00:02:30] Recognize and accept the current relationship with money. Use a debit card securely. Avoid unsecured internet connections for purchases and bank account checking. [00:03:22] "Protect network, guard numbers, prevent credit fraud." [00:08:25] Debt doesn't vanish; find a lighter way. [00:12:46] Use a debit card to avoid debt. [00:15:38] Credit cards automatically categorize expenses for you, allowing easy tracking and adjustments. Additionally, using them for monthly payments can earn rewards and bonuses. [00:17:44] Credit card cons: interest rates compound debt. [00:21:26] Credit card fraud protection: Quick and easy. [00:24:52] Gas station pumps are risky for card payments. [00:27:27] Credit card deposit for trips and car rentals. How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all. Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head. Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Hosted by Shannah Game and Shari Rash, money experts who want to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. We're here to help you unf*ck your finances and finally build wealth in a way that actually feels good. If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.