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I often here about people using charge backs a lot. But I only have debit cards so for me once I spend money there is no recourse. I should get a credit card I guess.

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Credit card(s) are good to have unless they give you an impulse to spend. They have many other benefits too such as [depending on the card] purchase protection, price protection, free roadside assistance, extended warranty, rental car insurance, concierge service, cash back, points, miles, etc., etc., etc.

I've personally used price protection, roadside assistance, extended warranty, and concierge service. Plus many thousands of dollars worth of cash back, points, and miles (probably close to $10,000 total).

You should check the terms of your debit card. My credit union offers $0 fraud liability on its debit cards.

OTOH, getting a credit card and paying the full balance every month is S good way to build your credit history and scores.

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