Bangalore: Debit cards have become nearly universal. The rise of debit card use is attributable to several factors, primarily money management, convenience and security. Plus it much easy to obtain a debit card than a credit card. Having a debit card eliminates the need to carry cash and you don't have to worry about interest rates, monthly bills or finance charges. The advantage is that it uses the money you actually have so that you won't build up an unmanageable debt. While debit cards and credit cards each have advantages, each is also better suited to certain situations. Hence there are places where it can be wise to avoid using your debit card. Restaurants and Hotels At a restaurant when it is the time to pay the bill, don't let your card go out of sight. There are several reason for this. Firstly you never know if the person might deduct more money than what is being charged on the bill. The extra money that has been would be some tips and you are not given any prior information to it. Secondly, apart from the risk of having your card stolen, restaurants are one of those rare places where someone actually walks away with your card and you are not aware of it. Pay the hotel bills in cash. Because the deposit can be deducted directly from your account without informing you. Therefore, ask about deposits and holds before you present your card to make any payments in hotels.