Debit Card or Credit Card?

I learned my lesson long ago. Credit cards are pure EVIL. If your late on even 1 payment your interest rate skyrockets & they add on lots of extra charges. I'll stick to my debit card now.

I use my debit card but same as you, if it's a couple hundred dollars and I don't have that much in my checking account, then I will use the credit card instead of the debit card. I really try not to use my credit cards because I already have a balance on them and I'm trying to pay them off.

I use my debit card for everything. I rarely use my credit card. UNless I am traveling. Than I use the credit card to rent a vehicle or something along those lines. I would ratehr spend money I already had. Instead of using money I don't have.

I'm much the same as you. My wife and I usually use our debit cards for most things, but if you think you may need some sort of back-up, for a warranty or service, it's handy to use a credit card, as they can help.

I use credit card to pay for purchases. Most of the time, I pay in cash. It is nice to have a debit card for the convenience it offers. I don't have one yet and will try to get one later.

I use my debit card. That way it is paid for right away and I am not racking up a lot of debt that I have to pay off later.

I don't even own a debit card. I'm 100% for credit (if you can afford it) b/c you can then get protection, cash back bonuses, and you don't have to pay the bill til a month later! I always pay my credit card bill fully each month, but it just feels safer than debit.

I don't like credit cards and never have. I always use my debit card to pay for my purchases. If I don't have the money to pay for it, I don't buy it unless it is absolutely necessary.

NOOOOOOOOOOOOOO I don't have a credit card, it would be far tooo dangerous for me! It's bad enough when I have my debit card on me.. I admit my name is bizziebod and i'm a shopaholic lol No seriously though I would definatley max out a credit card far too quickly, so I'll stick to buying what I can afford so therefore I use my debit card or cash (or paypal) for all transactions but debit card the most!

I mostly make cash payments but when i buy something online i prefer to use debit card/paypal,whichever they accept.

debit.i'd rather pay with my own money-no interest. i'd only use credit for emergencies like vet bills.

I prefer to use debit card it is my own hard earn money. If I use credit card, what I see I get as if there will no tomorrow. And here on your fist year using of credit card there will be no interest but after a year even if you are paying on time they still have an interest like 1.5% I think. For me no hassle Ill choose debit card because I am also afraid by swiping too much I might end up in jail... Ü

I do pretty much the same thing. I used to just put everything onto my credit card (and I always paid it off each month), but now I've found that I've been putting most things on the debit card, and just big purchases on the credit card.

I prefer debit card.. Actually I didnt apply for a credit card... I have a phobia with debts/credits.. LOL Its easier to live life free with debts isn;t it?

I use my credit card.

I always just use my bank card, which can be used as debit or credit, and I just say credit every time so that I don't have to type in my code. Often, I have just forgot what the code is anyways, so this is just so much easier for me!

I usually use either cash or a debit card. I don't like charging things.

i use my credit card, but lie to myself and treat it like a debit card that only has so much $$ on it. This way i don't go over budget. Then we pay it off every month. In some ways it is good because we earn rewards...also if someone uses it fraudently we do not lose money out of our checking account - we just have to dispute the charges, which is a little easier than trying to fight your bank to getting your money back.

I dont have a credit card yet and I am going to try and stick with a debit card for as long as I can. I think its much easier and much faster then a credit card, but like you said if buying bigger and more expensive stuff then one should use a credit card.

I don't like to use debit card. It is dangerous beacuse it links directly to my bank account. If I get fraud, I will lose all my money and can't do anything about it. When I use my credit card, I get many discount, special offer, and points that can be redeemable for shopping voucher at the big retailer. For me, it is better to use my credit card.