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1. Fraud protection. While many debit card issuers promise fraud protection on par with credit cards, including limited liability, fraudulent activity typically results in an investigation before the questionable charges are eventually reversed. Would you like to have your bank balance tied up while things get sorted out?
2. Rewards. While some debit cards offer rewards of various sorts for making purchases, the more generous programs are tied to credit cards.
3. Building a credit history. It’s hard to build a credit history without actually using credit.
5. No holds on your hard-earned cash. When a merchant decides to place a hold on your funds, your spendable cash will be locked up until they decide to release the hold. If you had used a credit card, on the other hand, they’d have just locked away a portion of your credit line.