I use my debit card...It's much easier to use. I don't use a credit card any more. A couple of years ago, I would say "I'll charge it and pay off next month"...I never did...lol...once I got that credit card paid off, I said "never again". I'm a compulsive shopper and I can't handle the responsiblity of a credit card...lol...so debit card for me all the way.