Originally Posted by talisman311
use the CC all the time anyway.. 0 liability, the cc will fight for you on fraud charges, cash back, and extended warranties.
I never use my debit card to buy anything; complete waste.
I get to pay my purchase off in 45 days with 0 penalties etc, the money stays in my account and gets a (very small) interest; plus my CC gives me 3-5% back, so all in all, I can deduct about 5% from everything I buy. It really adds up.
Plus you build your credit score.
Just pay it off every month and don't use it unless you have the cash, just like you couldn't use a debit card unless you had the cash