Credit cards and debit cards, despite both being plastic and approximately 3x5in, are very different things. A debit card uses money from you checking account. It's like paying cash without having the cash in your pocket. Simply, a credit card is letting you make purchases without having any funds deposited with them. It's like a loan. Most people have both and use them for different reasons. http://canadaloansearch.com/
What if you took your $500 and played the lottery? Risking $500 to gain millions is a much better investment than investing in the stock market, from a risk/reward perspective, but a much worse choice in terms of probability.
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