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why are credit cards preferred in the us?
user
there are several reasons why credit cards are popular in the us: on the other hand, debit cards do not have any of these going for them.  a debit card doesn't make much money for the bank unless you overdraw or something, so banks don't have incentive to push you to use them as much.  as a result they don't offer rewards other benefits. some people say the ability to spend more than you have is a downside of a credit card.  but it's really an upside.  the behavior of doing that when it isn't needed is bad, but that's not the card's fault, it's the users'.  you can get a credit card with a very small limit if this is an issue for you. the question i find interesting is why debit cards are more popular in your home country.  i can't think of any advantage they offer besides free cash back.  but most people in the us don't use cash much either.  i have to think in your home country the banks have a different revenue model or perhaps your country isn't as eager to offer tons of easy credit to everyone as the us is.
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