I am exactly the opposite. I use a debit card, but I've never used a credit card. Why would I want to borrow money (and risk owing interest), if I already have money readily accessible via my debit card?
> Why would I want to borrow money (and risk owing interest), if I already have money readily accessible via my debit card?
Because if your credit card is used fraudulently, you tell the credit card company, they disallow the charges, and nothing comes out of your pocket.
If your debit card is used fraudulently, the money comes direct from your bank account, and you get to find out how much work it is to get that money back--and in the meantime, you don't have it.
The biggest reason I can think of is safety. With a good credit card you are not liable for any fraudulent charges, which definitely isn't the case for debit cards.
I don't use a credit card instead of a debit card, I use cash instead of a debit card. I mentioned the credit card just to emphasize that this isn't out of some weird card phobia.
