In this story, I share the reasons why using a debit card, although common, might not be the most convenient financial option, and explain why I opt for other payment methods. There are three fundamental reasons behind this choice. The first has to do with the benefits offered by each type of card: while a debit card is limited to using the available money in the account, a credit card offers rewards such as points, travel mileage, and even cash back, which represents additional value for each purchase made.