Credit vs. Debit – What Do You Prefer and Why?

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Brian Davis pro

Member
Curious to hear your thoughts do you prefer using credit cards or debit cards for everyday spending, and why?

I’ve always used debit by default because it feels like I’m only spending what I actually have, and it helps me avoid debt. But lately I’ve been hearing a lot about the benefits of using credit—like building your score, earning rewards, and better fraud protection.

At the same time, I’ve seen people rack up serious debt with credit cards if they’re not careful, and I definitely want to avoid falling into that trap.

So what’s your approach? Do you stick with debit for control, lean into credit for the perks, or use a mix of both depending on the situation?
 
I use credit for literally everything groceries, gas, bills. Then I pay it off immediately. I’ve racked up over 200k points in the last year just using my Amex Gold like a debit card. Key is never carrying a balance.
 
I used to be team credit until I lost my job and couldn’t keep up with payments. That spiral sucked. Now I only use debit. I know rewards are great, but peace of mind is greater.
 
I prefer credit cards because they feel like Monopoly money... until the bill comes. Then suddenly I'm in adult mode whispering please be under $500 before opening the app.
 
Y’all act like credit cards are these magical money hacking tools, but the second you mess up even once you’re looking at interest rates that could rival payday loans. I’ll stick to debit thanks.
 
I use credit for the rewards and fraud protection, then debit for ATM withdrawals and small local stores that charge extra for cards. Best of both worlds.
 
I had no credit history until I was 25. Started with a secured credit card, used it responsibly, and now I’m rocking a 780 score. Debit never helped me with that.
 
Same! People underestimate how stressful it is when you're in the hole. Glad you found what works for you. Credit is a tool but it’s not for everyone.
 
Chase Sapphire points got me a free flight and 3 nights in Japan. Credit card wins. Just know what you’re doing or you’ll end up paying for your free vacation tenfold.
 
I was a credit card abuser in college. 3 cards maxed out by junior year. Spent 5 years cleaning it up. Now i use one cash back card like a debit and track every purchase.
 
Studies show people spend more with credit than debit. There’s a psychological effect swiping credit feels less real. That’s why I go with debit 90% of the time.
 
I use Apple Pay linked to my credit card for the points, then track everything via Mint. I haven’t carried a wallet in 2 years. Love the modern setup.
 
I totally get people who stick to debit for control. If you're neurodivergent or struggle with impulse control, credit can feel dangerous. Been there.
 
Appreciate you sharing that. I’m ADHD and credit cards were a disaster for years. Now i use an app to cap my spending and it’s helped a lot.
 
From the UK here....debit is king for us. Our credit culture’s not as intense but i’ve noticed more people using credit cards lately for perks and travel protection.
 
I just turned 21, opened my first credit card last month. Kinda nervous tbh. Using it for Spotify and gas only. Trying to build credit without going broke.
 
Back in my day, you couldn’t even get a debit card until you were 18. Now kids are learning about cash back before they learn how to balance a checkbook. Wild times.
 
I used to be all about debit for that spend what you have peace of mind. But once I realized I could earn cashback and build credit with my everyday purchases, I made the switch to credit just always pay it off in full. It’s like getting paid to be responsible.
 
I don’t trust myself with credit. It’s too easy to justify spending when you’re not seeing the money leave your account instantly. Debit forces accountability. I’d rather skip the points and sleep better.
 
Debit for daily stuff like coffee or groceries. Credit for anything over $100 especially travel. Why? Because my credit card saved me $700 once when my airline canceled a non-refundable ticket.
 
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