You realize that you only pay interest when carrying a balance, right?Because you do not pay interest or fee's for using debit cards, whereas you have to pay for the privilage of using a credit card.
The so called "rewards" offereds by credit cards companies are just there to trap you. I would rather be debt free and only spend what i can afford with a debit card.
I see this ALL the time when people bring up credit cards. "But, YOU PAY INTEREST." Why, suddenly, when we are comparing debit cards to credit cards, people assume that using a credit card that you'll magically start going in debt and paying interest? That's not even what we are talking about:
Debt card: Spend $300 in groceries, $80 phone bill, $400 in gas, $120 in restaurants; spend a total of $900 spread over a month with deductions from your account at every point of sale.
Credit card: Spend $300 in groceries, $80 phone bill, $400 in gas, $120 in restaurants; spend a total of $900 spread over a month with a bill at the end of the month that you then have another month to pay. And you get 3% or whatever rewards back on the $900 ($27).
See, no interest. You spend the same money, and actually get to spend it all at once at a point in the future, rather than chingchingching out of the account every time you buy something. You get miles or money back from the rewards programs.
And you build your credit score, which you'll need when getting a car loan or a mortgage.
If you are using a Debit Card, you should be using a Credit Card instead. There's no reason not to, unless you are an idiot who can't control your fucking spending when presented with a Credit Card. In which case, I have no advice for you except to stop being stupid with your money.
The only time I use my ATM/Debit card is at a bank to get some cash out. Gas, clothes, food, oil changes, Netflix, Hulu, WoW, Amazon, Doctor bills, phone bill; it's all on my credit card. Gas, Electric, Car Payment, Mortgage Student Loan are all direct online withdrawls from my bank account. The only thing I write a check for is my Home Owner's Association bill every month, because I haven't tied to set up an e-check with my bank to pay for it.