(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, we are looking at the difference today between credit and debit cards. So, we have both in our wallet. What’s the difference?

(Justin) Well, the major difference is a credit card is going to be based off your credit score and credit report, and they’re going to give you a credit limit. Your debit card is going to be based off of the amount you have in your checking accounts. So, again, whatever balance you have coming in or whatever has gone out, your available balance, that is going to be the limit with your debit card.

(Kristen) And so what should you keep in mind about your credit cards?

(Justin) So, again, make sure that nobody has that information, and you keep them secure. Use digital wallets within that, and do not overspend. Only use it for emergencies or if you have the money in your checking account.

(Kristen) I think we all need that lesson after the holidays, right? So make sure you consult your financial professionals to get some more advice on that. So, thank you Justin.

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