Debit cards are more dangerous to use than credit cards. They have direct access to your account.Most debit cards have the same protections has credit cards. It is necessary to carefully read you account details to be certain. Although the protections may claim to be the same, in a dispute it is your cash that is already missing from your checking account. You may not have the reserves to pay for your rent/mortgage before setting up a new account and recovering funds from your bank. The major advantage of credit cards is convenience. It is especially true when traveling. We use debit cards for gas (they do not accept credit cards), one car repair shop and a few grocery stores. We use a credit card at any restaurant, online purchases or any other merchant.Rewards cards are nice, but are not a primary reason for using credit cards.As previous noted, it is not necessary to pay interest to build your FICO score. Consistently paying on time and ignoring the temptation to spend money that isn't yours are the only requirements. Debra
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