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Determine which one to use between debit and credit card

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Often, people are confused about which one to use, debit card or credit card, while making a payment. This happens due to unknowingness about both of them clearly. When you know everything about debit and credit cards, there will be no chance of feeling anxious before making payment.

Besides, there is a myth that debit cardholders tend to the victim of fraudulent transaction than persons who don’t hold a debit card. However, it is completely exaggerated talk. Proper usage of a debit card will never evoke any financial loss. Rather help the person to enjoy the ease of payment.

On the other hand, a credit card also helps a person by providing monetary assistance and mitigating emergency fund requirements. When a person is holding a credit card, he must not take out unsecured loans for bad credit score from direct lenders. So, both debit card and credit card ease a person to utilise the money to fulfil the necessity.

Here we will discuss both of them briefly so that it will be easy to understand how you can make the best use. Let’s start with a debit card.

Debit Card

It is a plastic card provided by your bank and linked to your savings or current account. The main purpose of providing a debit card is to ease payment or withdraw money without visiting the bank. Moreover, it helps a person to move cashless as he can easily swipe the card at the shopping mall, restaurant, theatre, pub, and even in the hospital.

Besides, fund liquidity every time you go as one can easily withdraw money as per his necessity by punching the card in Automated Teller Machine (ATM). Generally, there are many ATMs available at different banks along the road. There is no necessity of punching your card exactly at your bank’s ATM, but you can choose any of them.

When you punch the debit card, it seeks a password, a safeguard feature associated with the card. After typing the appropriate password and amount to be collected, cash will be dispensed from the machine. Therefore, you will be getting a message of deduction of money from your bank account.

When should you make use of a debit card?

A debit card helps to access money that you already have in your bank account. To utilise that amount stored in your bank account whenever you need it is the ultimate benefit of using it. It is the best option when you don’t want to make any debt and pay with the liquid fund. As debit cards are always associated with a bank account, there is no chance of increasing debt.

When there is a fund in your bank, it is no use to increase the unnecessary owing amount by using a credit card. Instead, if there is a comparatively low balance in the bank account and the price of the good is more than that, it is time to use the credit card, which will provide you with the ease of borrowing in no time.

However, borrowing action can also be done by applying for an overdraft facility as well. In that case, a person can easily get the required fund from his bank to exchange fixed deposits or balance in a savings account. But be careful while applying for overdraft because banks apply a high rate of interest on OD while credit card offers the facility of borrowing is comparatively low interest.

Credit card

A credit card is a popular means of borrowing any amount of money. Starting from 100€ to 100000€ can be borrowed with it. Many credit card companies offer different type of cards to people. When it comes to credit card, it comes with huge verities, such as reward point card, cash withdrawing card, debit card and many more.

A credit card helps to pay a high amount without deducting the balance from your bank account instantly.

For this reason, it is considered helpful during emergency requirement of fund. However, the credit card is associated with the limitation of borrowing and build up a credit score. A person with a strong income base is generally provided with a huge credit limit, while people with a low-income range are not given a high credit limit.

A credit limit defines how much a person can borrow. Suppose a credit card holder with a good income range can get a high limit, i.e. up to 100000€. On the other, a person who doesn’t possess a stable source of income and the amount is comparatively low, even after getting a credit card, can’t apply for more than €5000.

There is nothing to worry about as there is another way to enhance credit limit even after having a low-income range, i.e. by timely repayment of the outstanding amount.

When should you make use of credit card?

Before using a credit card, make sure it does not turn into a habit because borrowing money often leads to financial risk. When you use a credit card as a mode of payment, it is the amount of debt that will ultimately increase. The regular monthly repayment is the only way to reimburse the outstanding amount. Therefore, it is better not to use credit cards unless and until there is a serious fund requirement.

When you have an adequate amount in your bank account but want to preserve it for an emergency fund, using a credit card to buy household gadgets can be the best option. It is hard to predict when and how urgent a situation will take place.

Therefore, it is better to persevere liquid fund and use a credit card. In this way, you need not make the instant payment but rather pay the price in a small amount with monthly instalments. It will enhance your credit score too.

If you need a fund and there is no cash left with your bank account, instead of using the OD facility, let’s use a credit card as it comes with a low-interest rate. Banks generally charge huge interest on OD, which may lead you to financial risk.

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Appinnovix – Mobile App Development Agency




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Appinnovix, we are a Mobile App Development Agency that provides a range of services to help businesses succeed in the digital world. We specialize in web development, android, iOS, Custom app development, and digital Marketing. We have a dedicated Team in India and Our Sales Team is available in the UK, USA, Canada, and UAE. At Appinnovix, we’re committed to providing high-quality services that meet your unique requirements. We combine top-notch expertise with a customer-focused approach to deliver cost-effective solutions for your projects. Let us help you succeed in the digital landscape.

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What is The Difference Between Branding and Digital Marketing?





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In the dynamic business and marketing space, two fundamental concepts often come to the forefront:

  • Branding.

  • Digital marketing.

Though related, these concepts are distinct in their approach and purpose. Let’s delve into the nuances that set them apart.


Branding is the foundation of your business’s identity. It encompasses your company’s core values, mission, and unique selling propositions. This is what sets you apart from competitors. Think of branding as the personality of your business. It’s reflected in your logo, color scheme, and how you communicate with your audience.


Branding is akin to crafting a brand’s essence, moulding its identity, personality, and consumers’ perception. It’s the art of shaping the overall image, values, and emotional resonance linked to a brand.

But, branding is the tactic through which you demonstrate yourself. Your branding strategy decides how people perceive you in this online world.


Branding hones in on creating and nurturing a robust, recognizable brand identity.

This encompasses defining the brand’s:

  • Mission.

  • Values.

  • Voice.

  • Visual elements (like logos and colour schemes).

  • Unique selling propositions (USPs).

Long-Term Perspective

Branding is a patient, long-term strategy dedicated to forging trust, loyalty, and recognition over time. It involves weaving a consistent, seamless brand experience across all touchpoints, whether online or offline.


The toolkit of branding comprises brand positioning, brand messaging, brand storytelling, brand values, brand equity, and brand guidelines. Together, these elements construct the very essence of a brand.


The ultimate objective of branding isn’t confined to immediate sales. Rather, it’s about laying the foundation for a robust and positive brand reputation that resonates with the target audience. It’s about fostering enduring brand affinity.

Now that you know about branding – it’s time to focus on digital marketing.

Digital Marketing

On the other hand, digital marketing is the active promotion of your business through online channels. It involves strategies and tactics to connect with your target audience, drive traffic to your website, and convert visitors into customers. Digital marketing encompasses various methods, including social media, email, search engine optimization (SEO), pay-per-click advertising, and content marketing.


Digital marketing, on the other hand, unfurls its banner in the digital landscape, leveraging various online avenues, platforms, and technologies to promote and advertise products or services.


Digital marketing is laser-focused on product or service promotion, advertising, and distribution through digital channels such as websites, social media, email, search engines, and online ads.

Short-Term and Long-Term

Digital marketing exhibits versatility. It can encompass quick, results-driven campaigns like paid advertising or email marketing, as well as long-term strategies such as content marketing and search engine optimization aimed at achieving specific marketing goals.


The toolkit of digital marketing boasts a variety of tools – online advertising, social media marketing, content marketing, email marketing, search engine optimization (SEO), pay-per-click (PPC) advertising, affiliate marketing, and more. These are wielded to reach, engage, and convert digital audiences.


Unlike branding’s long-term perspective, digital marketing sets its sights on immediate and quantifiable results. It’s all about driving metrics like website traffic, lead generation, sales, or conversions. Data-driven analysis and optimization are its closest allies.

Here are Some Other Differences between Branding and Digital Marketing

Digital marketing promotes your business’s identity online, while branding defines your business’s identity.

Branding is key to effective digital marketing, allowing you to connect with and convert your target audience online.


Branding: The primary purpose of branding is to establish and reinforce your business’s identity, fostering trust and recognition among your audience.

Digital Marketing: Digital marketing aims to attract, engage, and convert potential customers by leveraging online platforms and strategies.


Branding: It consists of visual elements like logos, typography, and colour schemes, as well as intangible elements like brand values, mission, and voice.

Digital Marketing: It involves specific tactics such as social media posts, email campaigns, SEO-optimized content, and online advertising.


Branding: Building a strong brand is a long-term endeavour that evolves gradually over time.

Digital Marketing: Digital marketing campaigns can produce more immediate results and can be adjusted or scaled up as needed.


Branding: Success in branding is often measured through surveys, customer feedback, and long-term brand recognition.

Digital Marketing: Success is quantifiable through metrics such as website traffic, click-through rates, conversion rates, and ROI.

Strategy Integration

Branding: Branding is the foundation upon which digital marketing campaigns are built. Effective digital marketing often relies on a strong, consistent brand identity.

Digital Marketing: Digital marketing tactics are used to promote and reinforce the brand’s identity and messaging.

End Note

Can branding and digital marketing go hand-in-hand?

Branding and digital marketing, like peanut butter and jelly, complement each other.

When your branding is strong, digital marketing becomes easier. It helps you stand out online.

For instance, your brand’s colours and logo instantly make your social media posts recognizable.

Digital marketing spreads your brand message far and wide. It’s like shouting from rooftops, but online.

Together, they build trust and attract loyal customers. So, remember, branding and digital marketing are a dynamic duo!

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