Using your debit card for making payments is more secure than the credit card.
Debit card gives you relief from the tension that comes to you when your credit card billing dates get closer. You did your shopping with credit card & when the time comes to make the payment, you found yourself with no money left in your Bank account.
Whereas if you would have used your debit card, amount would have deducted at the same time from you account. In case of a credit card if you miss out your billing date then you need to pay a higher rate of interest on your credit card (the interest charges can vary from 2.79 to 3.9) on the other side if you would have used your debit card for this there won’t be any extra charges.
The most adverse effect that had come across is that if the payment track of credit card is not good then the person might get problem in getting loan or other financial services from any Bank. The other thing is that you might need to pay an annual fee for your Credit Card whereas the Debit Card almost comes free.
So, be sure before using a Credit Card for any kind of purchase.