Debit cards provide the card owners with the facility to pay using plastic money instead of cash and that too without risks that pertain to bad debt. Nonetheless, this does not mean that debit card owners should be careless about using their cards. Even the use of debit cards in an improper way can prove to be quite a nuisance to you.

Mentioned below are some tips to use your debit cards:

• Always keep a check on whatever you spend. A debit card does not facilitate the user to make advance purchases unlike credit cards. Also, when a huge amount of money is deposited or present in your account, you have the tendency to spend money on some unplanned things. So it is indeed important to keep tab on spending.


• Another important thing to carry out is to monitor the expenses that you make from the debit card on a constant basis. Listing down each and every debit card transaction safely with you is a good way to do so.


• Whenever you are using your debit card to pay someone, always make sure that cash is present in your account. In some cases, even if there is a shortage of cash, the payment will be cleared but you will charged with extra fees or overdraft fees.


• There are many companies that rent out cars to customers. If you are paying with the debit card, they may impose a ‘hold’ on your card as a security deposit. The important thing here is to understand thoroughly the policies and terms regarding the system of ‘hold’. Get a clear idea from the renters about how much amount will be kept on hold and for what period.


• Maintaining the secrecy of your debit card PIN by not revealing it to anyone is a precaution that must be followed compulsorily by the card owner. Also, while selecting the PIN, remember to choose a strong one which is comprised of both, letters as well as numbers. Do not include any kind of personal information in your PIN because it can be easily guessed by someone.


• When making large purchases online, it is advisable to make use of your credit card and not the debit card. Always remember that however secure a debit card might be, the security that you get from a credit card is the maximum.

These small tips can actually help you in a large way while using your debit cards in a proper fashion and prevent yourself from any kind of frauds.