When should I use a credit card instead of a debit card?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: fca.org.uk/consumers/credit-cards
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