That surprises me, I've never met someone that uses Debit cards as their primary method of payment.
You lose a lot of consumer protections and many cashback rewards by using only Debit cards. The only drawback to credit cards is the interest, if you don't pay it off at the end of the month. So long as you're responsible with your spending, it's a direct upgrade.
> That surprises me, I've never met someone that uses Debit cards as their primary method of payment.
That in turn is not surprising – the split is very much correlated with socioeconomic status (to the point where quite a few of the people working on debit card products have never themselves used a debit card to pay, in my experience).
> The only drawback to credit cards is the interest [...]
Which is a significant drawback if your bank account balance regularly oscillates around zero and/or you've seen your peers get in financial trouble from credit card debt.
You lose a lot of consumer protections and many cashback rewards by using only Debit cards. The only drawback to credit cards is the interest, if you don't pay it off at the end of the month. So long as you're responsible with your spending, it's a direct upgrade.