I would recommend using debit cards much more than I would for Credit cards. The credit card companies can be too tricky for me. You pay $100 for something (for example) and then you somehow end up pay 2 or 3 times that much by the time you pay it off, many times. I rather just spend money that I know that I really have and not money that I think I have and then having to pay a whole lot more at the end of the day. Credit cards to have some advantages like helping to build your credit rating/status. But that is only if you are very responsible in using them. If you can avoid credit cards, there are other ways to build credit. I almost never use credit cards and when they send me stuff in the mail, I mostly just throw them away. No credit cards for me if I can help it.