# When should I use a credit card instead of a debit card?

> Quick answer · Last updated 4 July 2026

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## In short

Use a credit card for purchases between £100 and £30,000 where Section 75 chargeback protection matters, for planned 0% borrowing you will clear in time, or for rewards when you pay in full. Use debit for everyday spending if you might carry a balance.

Debit cards offer less protection on faulty goods from the bank — chargeback exists but Section 75 is credit-only.

Never withdraw cash on a credit card — fees and immediate interest apply.

See compare credit cards guide.

## Related

- [Compare credit cards](https://moneyguide.org.uk/credit/compare-credit-cards-guide/)
- [Section 75 explained](https://moneyguide.org.uk/credit/section-75-vs-chargeback/)

## Primary source

fca.org.uk/consumers/credit-cards

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Money Guide is not a financial adviser and does not currently earn commission on credit cards. This guide is educational information only — always check the issuer's own terms, eligibility checkers and fees before applying. 18+, subject to status. Credit is a commitment: only borrow what you can repay in full each month, because interest charges erase every reward on this page.