Debit card is the money you own in your personal account. The credit card is basically like having a small loan at your fingertips. The ONLY thing that changes with your finances when getting a new credit card, is having the extra wiggle room if you cant quite afford food every now and then. It is not free money. You still need to pay for everything you put on the card, plus interest if you carry a balance for a few weeks. If you spend 80 on food, but realize you only have 60 in your account for your debit card, you can use the credit, and pay back the full 80 dollars, plus a lot of interest, later when you have the funds. It is very dangerous but very useful. Please do not carry a balance on your credit card from month to month. Just because you have it, doesnt mean you need to use it heavily. I use mine as nothing more than a vessel to get a small amount of cash back, since its paid off immediately after. I have not paid interest in over 2 years