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- safer than cash (need PIN) - no annual fee - cannot over-spend (must develop a budget before buying any expensive items) |
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- outside Canada, most countries do not accept debit - no incentives (cash back, travel points, Shopper Drug mart/ Loblaw gifts)
- learn to use a debit card when you are in high school - once you are responsible with your spending, apply for ONE credit card in University/ College |
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