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Have you recently paid off a lot of debt on your credit cards? If it took a long time (which it usually does) and a lot of effort, you’re probably very wary about using credit cards again. This is a reasonable response, and a responsible one. You don’t want to get caught in the quagmire of credit card debt again.

One option to consider is carrying and using Debit VISA Cards. Debit VISA cards can be used anyplace regular VISA cards are accepted. The only difference is, you won’t really be charging your purchases – they’ll be deducted from your bank account. This is a great way to guard against over-spending, but you do still need to be careful.

You have to be sure for instance that you don’t spend more than what’s in your account, or you will end up paying overdraft fees. Just like an overdrawn checking account, automatic debits will start to come in, there will be insufficient funds, and you’ll pay even more fees.

You can easily check your balance at most ATMs and also keep track of your debit card purchases with a check book register, or online. As long as you track your spending and stay within your balance, debit cards are often the Best Credit Cards for people to carry.