Credit Card Advice

[kleinma]

Using a debit card, anything you charge on it will be withdrawn immediately from your bank account... So it's not much different than using a credit card and paying off the balance each month. And If you are paying off your credit card on every billing cycle, the interest rates don't mean anything, because you never have to pay any interest... So I don't see a valid reason for switching to using a debit card just because credit card interest rates are high.

I agree, especially if using a debit card will not go against your credit score positively, like using a credit card would.

I only have 2 major credit cards, with 10K total limit between them. I never carry any balance, and my credit score is phenomenal. Probably just based on never having any late fees, and not having too much of a credit limit across all my cards.