[chris_overseas]

I'm in the UK and always prefer to use a credit card whenever possible. It automatically gets paid off every month so I never get charged any interest, I get points worth minimum 0.5% back for all purchases, and benefit from the fairly strong UK consumer protection laws here.

The only exception where I'd prefer a debit card is in very rare cases when there's an additional fee for using a credit card. That's usually for large sums and/or international payments though, in which case I tend to use a specialised FX company or Revolut. My normal debit card is literally the last card I ever use, when all else fails or is more expensive.