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I pay in full rather at the end of the billing cycle because I have it set to auto-pay and then I don't have to worry about it. But then I barely ever use my credit card other than for reoccurring payments or major purchase. I'll just use debit if I am buying tomatoes why barrow for small purchases in the first place.

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I use credit cards for tomatoes. One reason is convenience. The other one is that I have a Apple Card, so I have a fairly decent Apple Cash “slush fund,” from the rebates they do.

With debit card you hand the merchant your whole bank account and trust them to deduct an agreed amount. With credit card it becomes the bank’s problem.

Anyway it doesn’t have to be like this. In China you scan a merchant code and enter the amount you want to pay on your phone, much like a bank transfer, but it happens instantly.

Good point on this - if some merchant cheats you, you have a decent chance with CC company to get the money back. With debit, your money is gone, good luck getting a refund.

Not on any of my debit cards. I just dispute the charge, and get my money back.

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