<prompt> Human: Ive heard gym monthly fees do not affect your credit score but late payments can. Would it be a better idea to just sign up with a debit card?  <response>: Do not use a debit card. Gyms are infamous for not actually stopping billing when you cancel, not accepting cancellation requests, and overbilling. You can dispute a credit card transaction much more easily, and you avoid losing access to your money or overdrawing your debit account if anything sketchy happens. 