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While I do understand that, there are other forces at play.

A mental illness means I don't always have the best judgment or impulse control. A CC means I can (and likely will) spend money I don't have. (yes, even though I'm medicated and I see my docs and I had been fairly stable for awhile - most of this year, my mood has been very labile and I'm still adjusting to a recent med change).

I can't do that with a debit card.

For the most part, I trust my CU. I wouldn't trust a bank as much, but my CU has been good to me.

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