Regarding credit cards, there’s no doubt that it depends on the individual. For me, I seem to get nothing but benefits from credit cards. I don’t spend more on a credit card than I did with a debit card, I pay the balance every 2 weeks, and they send me a check for a few hundred dollars every once in a while. Not to mention the extra protection.

If you feel you get more benefits sticking with a debit card, by all means stick with a debit card. I don’t think one is better than the other, but one may be better for you than the other and one may be better for me than the other.

My comment there (when I thought it was the original) was:

I don’t see why tracking purchases and having multiple cards is a pro for credit cards. I easily do those things with debit cards.

Also, according to studies, if you’re using a credit card, you’re more likely to spend more — even if you pay off your balance in full each month. That’s a ‘hidden fee’ I’m not willing to pay. And those rewards points? That’s part of the problem. You don’t think the credit companies offer those just for kicks, do you?

Furthermore, perhaps the biggest benefit of using a debit card is not having to deal with the credit card companies. Even though I was a model customer by their standards, who never missed a payment and always paid more than minimums and still have a great credit score, they still kept finding ways to screw with me. Well, I’m done. Unfortunately, I do still have balances that I have to pay off, but I am not using credit cards again and I can’t wait till I am completely out of debt so I can tell them where to go.