What is one major advantage of using a debit card over a credit card?

Using a debit card offers a significant advantage in that it typically results in less risk of overspending. This is because a debit card directly withdraws funds from a linked bank account, meaning you can only spend what you have available. This helps individuals manage their finances more effectively and avoid accumulating debt, which can often happen with credit card usage if spending exceeds the ability to pay back.

In contrast, credit cards offer benefits such as higher credit limits, rewards points for purchases, and extended payment terms, which may encourage spending beyond one's budget. However, these features can contribute to financial strain if not handled responsibly. Therefore, choosing a debit card can be a wiser option for those looking to maintain strict control over their spending and finances.