Credit card or Debit card, which do I use?

Which is better to use? Credit card or debit?

A credit card has it's perks but you must be careful or it can become addictive and you will feel the pain. The perks for credit cars are the additional 15 % off they will give you when you use their credit card to buy with. Or the incentive of, once you charge $200 they will 'reward' you with a $10 in house card to buy MORE items at their store. Nice rewards, but you have to be careful and manage that account to make sure that the bill that comes in the mail at the end of the month isn't more than what you are able to write a check for to keep the account paid off. Bottom line, pay credit cards off every month when the first bill comes in. Then the rewards really will be rewards, otherwise you will get stuck with an annoying monthly interest on clothes you already bought, in fact you probably can't even remember what you bought, but you still get the bill.

Debit is wonderful like carrying cash but the caution in using that is ALWAYS make sure there is money in that account before you use it to buy something as there will be fines to pay if the charge comes thru and there are no funds to cover it! OUCH!!!