Excellent advice! You have many more protections with a credit card. We use a credit card for all purchases, and pay the bill off in full when it comes in. In theory, with a debt card you only spend what you have in your account, but in practice, many many people overdraw and incur overdraft fees. Now, you have the option to opt out of the bank overdrawing your account, but that can leave you without the ability to use your card for anything---just like as if you were totally out of cash. Murphy's law says this will happen at the worst possible time.

The biggest criticism we hear about our use of the credit card is that it is too much of a temptation to "overspend" and "run up debt." The cure for this is self discipline and knowing what you have to spend, or, maybe, "financial situational awareness."