<prompt> Human: Hello Reddit, I am about to leave for my first year of college in a few weeks and I recently got my first credit card. It was explained to me when to use the credit card over my debit card but I still am very confused. Why should I use a credit card and pay a bill at the end of the month when I could just use debit and have it payed off immediately? I just dont see a reason to have to worry about paying a bill when that could be easily avoided. If someone could explain when to use one over the other and how to manage credit that would be amazing. Thanks!  <response>: Credit cards build credit, debit cards dont. Credit cards have more protections than debit cards 