<prompt> Human: Hello,Firstly sorry for my english not pretty good. Im french and im often on this sub.I read regularly about credit card in your country. So I was asking myself about it : why everybody use crédit card in USA? Is it possible to have debit card in USA ?in France, the vast majority of them are debit cards which are made available to customers by banks. So if I have 1000 in my account, I can buy for 1000. Not more. I think its simpler to manage your finances, right?thank you for your answers  <response>: Responsible people use credit cards because you get rewardsfree stuffcash back. Many people use credit cards because they want what they want when they want it and they want it now. Credit cards dont make anything more complicated unless you have a budget. What you have in your checking account shouldnt determine what you can spend anyway unless you have multiple accounts and purposely set it up that way. Nearly everyone has debit cards as well. 