Credit and debit cards are powerful tools that offer simplicity, security and convenience. You can swipe away your purchases, from movie tickets and groceries to utility payments and online shopping. Take a look at how plastic money is better than carrying cash. 

1. Ease of use and convenience With credit cards, you are using the bank's money up to your credit limit. The amount you use, has to be paid back to the bank. If you pay your total outstanding before the interest free period ends, you incur no charges. If not, like any other loan, interest is charged.

Debit cards on the other hand are a way to access the funds in your bank account with ease. You can also use it to spend at a merchant outlet, withdraw cash or make an online transaction. 

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