Human: What are the advantages and disadvantages of a credit card over a debit card? Assistant: 
Advantages of a Credit Card Over a Debit Card: 
1. You can build up an emergency fund by using your credit card responsibly.
2. You have more flexibility with payment terms than you do with a debit card, such as paying off balances in full or making minimum payments each month.
3. With a credit card, you can earn rewards points that you can redeem for cash back, travel, merchandise, or other items.Disadvantages of a Credit Card Over a Debit Card: 
1. Interest rates tend to be higher on credit cards than on debit cards.
2. If you don’t pay off your balance in full each month, you will incur additional interest charges.
3. It is easier to spend beyond your means when using a credit card.