Being in the accounting/finance business for 42 years and coming from a generation that believed in hard, working “smart” and saving a little bit of each check, I have always used a CC as a form of payment as opposed to a type of loan. Rule of thumb: always use someone else’s money if it doesn’t cost you anything. Always pay off credit card debt when it is due. As for debit cards, they are just a paperless form of writing a check from your checking account. Banks love them because they charge a processing fee while their administrative costs decrease cuz they don’t need as many employees to handle the paper. The biggest negative about DC’s is they don’t provide the protections CC’s do regarding purchases. Any valid disputes you have with a seller or fraudulent CC use are the responsibility of the CC company. If you used a DC, you’re on your own for the most part.I definitely have an aversion to CC debt. I've never paid any interest on a CC since the first day I got a CC back in the 80's in college. I do tend to use cash for most local low dollar things, but pretty difficult to buy stuff online without a CC. My dad was CC free for decades, but when they made it impossible to rent a car on trips without a CC.......he caved and got one.