Navigating the world of debit cards can be tricky, but understanding the common pitfalls and how to avoid them is crucial for maintaining financial health.

Skimmers are devices that are illegally installed on ATMs, gas pumps, and any other point-of-sale terminals to capture debit and credit card information and record PINs.

Why should I consider using my credit card less? In short, to avoid overspending. When you use a debit card you're using money that you already have -- you are living within your means.

Scammers use legit-looking devices to steal your credit and debit card information at gas pumps, department stores, and ATMs.