I am exactly the opposite. I use a debit card, but I've never used a credit card. Why would I want to borrow money (and risk owing interest), if I already have money readily accessible via my debit card?
Because if your credit card is used fraudulently, you tell the credit card company, they disallow the charges, and nothing comes out of your pocket.
If your debit card is used fraudulently, the money comes direct from your bank account, and you get to find out how much work it is to get that money back--and in the meantime, you don't have it.
- Free perks like rental car insurance and extended warranties
- You never have to worry about your bank account being cleared out
If you pay your bill this all comes for free. It's a pretty amazing deal actually.
https://www.nerdwallet.com/blog/credit-cards/credit-card-vs-...