<prompt> Human: Why would you get a credit card and not a debit card? If you get a credit card you have to pay for it for some reason and theres also something called interest which i have no idea what it is but its some kind of debt that accumulates each month. If you just want to store and withdraw cash why would you get a credit card? It sounds like the worst thing you could do, why not just get a debit card?  <response>: Read up on credit cards, because as you said, you havent a clue.Used effectively credit cards are a good financial tool. 