When should you use a debit card and when should you use a credit card? You should only use a debit card when you’re withdrawing cash. So you use your credit card to buy everything? Yeah, when I buy this I get points that I can use to claim cash back and free flight. It’s not really free when you have to pay interest. I don’t pay any interest because I pay my card up in full every month. Nah, it’s not worth the risk. Ha. Not using a credit card is far riskier because if something like that happens they can completely drain your bank account. I don’t have to worry using that card because I can dispute the charges and never be out of pocket.