<prompt> Human: When people talk about credit history and loans and such, would a debit card be okay instead of a credit card? I dont want to get into interest, personally.  <response>: would a debit card be okay instead of a credit cardNo, because a debit card is not credit.I dont want to get into interest, personally.Pay the bill in full each and every month and you will not pay any interest.Is a credit card a must?No, but they can be very effective tool and even pay you to use them, if used responsibly. 