I think using credit over debit is the obvious choice
But I find using credit is safer, more convenient, and helps me earn rewards that debit cards don't.
When I tell people I don't use a debit card, they give me this look like I'm utterly crazy. "You don't have a debit card?" they ask me incredulously. "How do you get by?" . There are many debit card risks people fail to think about, and it may not be the best choice for you financially. To the dozens of people who have asked me, "Why?!": This post is for you.
In a bigger city, your own physical security is something to consider. I don't like the idea of carrying a ton of cash in my wallet, and potentially being mugged or having my purse stolen. If I were to lose my purse because of my own negligence, I can just cancel my credit cards — I don't have to worry about losing a significant amount of cash.
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