Hi, nice article. I use them both, but I prefer the debet card, because I don't have to pay the bank for any credits. When it is necessary I use a credit card, but I pay the credit directly back to the bank. Because, the banks over here are legal thieves. Though, that's my opinion! :-) !lol
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I keep both but do not carry them e everywhere. Depends on the need I carry them when I go out and always set limits to minimalize any loss