You know how you get an 800+ credit rating? Put all of your normal expenses on your credit card and pay it off monthly. You only accrue interest on a card if you have a balance on it that carries over. If you pay it off every month you don't.

I almost never use my debit card. Its inherently more risky because it's directly connected to your checking account. A credit card isn't. If its compromised, it's much less damaging financially and easier to reverse.