<prompt> Human: Ive had a credit card for a little over a year now without any missed payments. I cant see a reason why anyone would use debit over credit, provided that you dont spend more on the credit card than you can pay off each month.If you exclusively use credit, you essentially enjoy a 1-5 discount on every item you buy.Is this kind of reasoning flawed? I cant really think of any reason why anyone would choose to use a debit card over a credit card, provided that they can use the credit card responsibly.  <response>: Unless it costs you more, or your bank requires X debits a month for some perk, always use credit. Credit is safer than debt. When money is stolen on credit it isnt real money. People will jump all over this and say you can and will get your debt charges back, but once the money is gone it could take daysweeks. 