money: credit card or debit card. during and after college i will need to have a credit or a debit card. considering that they both have very different uses, i would probably chose to have both–a credit card for big purchases, and a debit card for small purchases. but if i had to choose one, probably chose a credit card though. with a credit card, i can pay off all my purchases at the end of the month which will give me time to get the money. i can also get cash back and i can build a credit score which will help me in the future. although credit cards 