That might be why debit card usage is declining in the U.S. Since 2013, the percentage of households that use debit cards has dropped from 74 percent to 58 percent in favor of alternative payment methods like credit cards and apps, according to a report from ValuePenguin. Almost a third more households pay with credit now compared to five years ago.
But sometimes using a debit card, or cash, is the better choice. Here are three situations where you shouldn't use your credit card.