I also prefer debit cards. In fact, I do not own any credit card because I see no use for it. It is only credit If you critically look at it. When you have a credit card, it becomes another option for you other than your debit card and other money means. When they all run out, you'll look to it as an option. I know sometimes there could be genuine need for the credit like in emergency but other times it really isn't necessary. It only makes you spend extra money that you can actually do without and that means more debt and working harder to pay back. I don't think that I will ever get a credit card.