<prompt> Human: I will recently be moving away for college and have heard horror stories about credit card interest rates and debt. Would it be such a bad idea to get a debit card only? Im very unexperienced with finance and always wondered why people get credit cards if they have interest rates. My parents dont have credit cards and when I told my friends I planned to take out only a debit card, they were shocked.  <response>: if you are gonna buy something with cash, use your CC and keep that cash in your bank account until the payment date. go for a rewards card of your preference so you get paid to buy the stuff you need anywaysalso CCs are much better at consumer protection than debit cardsjust be responsible and its a win-win 