There are some important things to consider when using a debit versus credit card for purchases. Read the following article and offer your comments on which type of card you use, credit versus debit, and what you find helpful about such cards.

https://www.washingtonpost.com/business/2019/04/02/credit-card-vs-debit-card-wow-airs-shutdown-shows-which-is-better/?noredirect=on&utm_term=.ec0db6c57c59

then read this article on the use of the person to person payment apps such as Venmo and Zelle

http://money.com/money/5376350/venmo-cash-app-zelle-better/

or this one

https://www.marketwatch.com/story/how-venmo-works-and-what-to-know-before-you-use-it-2019-04-09?mod=hp_minor_pos21

And offer your perspectives on whether you have used them before and whether you have found them helpful and would find them useful.