Credit Card vs. Debit Card: Which One Should You Use? E11

In episode 11 of the Good Money Moves podcast, titled "Credit vs Debit Card: Which One Should You Use," Jenna Taubel, AVP of Marketing, is joined by Nate Finney, Account Services Manager at First Alliance Credit Union. Nate breaks down the key differences between credit cards and debit cards, including how they impact your spending habits, the fraud protections each one offers, and when to use one over the other. From everyday purchases to online shopping, this episode provides practical guidance to help you choose the right payment method for every situation. Plus, Nate shares tips to avoid common pitfalls and keep your finances protected—whether you’re swiping a card or tapping your phone.

You’ll learn:
- The core difference between credit and debit
- When to swipe your own cash and when to tap into a credit line
- How credit cards can build (or tank) your score, and the true cost of “minimum payments”
- Why holds at gas pumps and car rentals can wreck a checking-account budget
- The fraud-fighting power of First Alliance’s "My Cards" controls, real-time alerts, and same-day card replacement

Helpful Resources

How to Use Credit Cards Wisely – https://www.firstalliancecu.com/blog/how-to-use-credit-cards-wisely

Mastering Credit Cards When to Use Credit Cards vs Debit Cards –https://www.firstalliancecu.com/blog/mastering-credit-cards-when-to-use-credit-cards-vs-debit-cards

What are Secured Credit Cards – https://www.firstalliancecu.com/blog/what-are-secured-credit-cards

Round Up Savings Program – https://www.firstalliancecu.com/blog/round-up-savings-program-press-release

For more helpful resources, visit First Alliance Credit Union: https://www.firstalliancecu.com/ .
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First Alliance Credit Union is federally insured by NCUA & is an Equal Housing Lender.