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If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card.

T. Harv Eker
Skills, Cards, Credit
"Q&A: T. Harv Eker Talks Money, Debt and Breaking Bad Habits". Interview with Sally Herigstad, www.foxbusiness.com. April 3, 2012.
If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card.