[LeifCarrotson]

The reason credit cards exist - and why Visa and Mastercard are worth $800 billion - is that people, on average, do not manage their money effectively enough to come out ahead. Their average customers come out so far behind, instead, that the credit card companies can afford the occasional default and they can afford to offer rewards and the automatic 0% interest loans to try to entice more customers.

[pdonis]

Yes, I understand that, but that doesn't change the fact that if you are able to manage your money effectively (and if the alternative is using a debit card, you are, since, as I noted, the money has to be there in your bank account anyway), then you can take advantage of the credit card's benefit of not giving anyone direct access to your bank account, as a debit card does.