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Aside from the perks, though, whether you use credit or debit though comes down to how good you are at managing money.

QA A 2015 Credit Canada poll found that the average Canadian adult has 2.2 credit cards.

Remember that credit cards and debit cards are two very different things.

Debit cards always have lower fees than credit cards because you’re spending the money you already have available, whereas credit cards come with annual fees, interest charges and other possible applicable charges.

Nearly 90 per cent of Canadians have at least one credit card.

Before you take the scissors to your Visa, though, “do your homework and compare cards,” says Jackie Rosen, the Money Wise editor at rate-comparison site Rate — even if not all retailers accept it, it still might be the best card for you.

Whether you’re a Visa customer considering a change, or are inspired to reconsider what’s already in your wallet, there are lots of variables to consider when choosing a credit card.

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