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Debit card users have almost 400% less unsecured debt that people who don’t use debit cards to pay for their purchases.

If you can switch to paying with cash or your debit card, you’ll have a much stronger push to spend within your means. Even if your credit card gives you 1% back, you’re much more likely to spend more on credit.

Can you make a commitment to use just cash or your debit card the rest of this month?