<prompt> Human: I got my credit back into shape about 6 years after I beat it up pretty badly. I have a Chase Freedom card coming in the mail. I havent had a true credit card since about 2007 and I really only signed up for the Chase Freedom card because they will give a 200 credit statement after making 500 in purchases.So my question is, is it worth making everyday purchases on my credit card to get the 1 cashback and then pay off the balance immediately within hours even? Or should I stick to the debit card where there are no finance charges?Is this 1 cashback just a marketing ploy and Ill actually be losing money even if I pay off the balance within the statement period? Or will I actually be coming out positive if im diligent about having a zero balance every new statement period?Thanks for your help. Ive been wondering about this.  <response>: I use credit cards for 99 of purchases and dont pay finance charges. Make purchase, wait for statement, pay statement. No interest.I dont like using my debit card for things. I still carry it around in my wallet I would prefer not to to get cash and to have a backup payment method. If a merchant charges too much or my information is later stolen, my actual cash is missing. Sure eventually the bank will give it back but I dont want to be in limbo waiting for that to happen. Id much rather ChaseCitiAMEXDiscover have their money taken. 