Disadvantage of using credit card

Despite the advantages that paying with a credit card has over paying with a debit card, for some people it's still better to use debit. Using a credit card may not be right for you under the following circumstances:

1. You can't pay your credit card balance in full and on time.
2.   If this tends to happen to you, stick with cash to avoid racking up fees.
3. You tend to spend more than you can afford.
4.   Paying with debit will limit you to spending money you've already earned.

    You can only get a credit card with a very low credit limit and you have a hard time staying under the balance.

    The fees for exceeding your credit limit are costly, and doing this can also put a dent in your credit score.