I use a debit card so I can buy things right away without racking up debt; I only keep a credit card because online purchases or subscription payments often don't accept debit cards—only credit cards.

I used to use an Amex when it gave you cash back years ago but had a monthly direct debit. I heard (but not sure if it’s true) that this can end up giving you a very good credit rating

Debit card. No one will issue me a credit card due to some credit issues.

On Oct 16, 2026, cafesaxophone said:

I used to use an Amex when it gave you cash back years ago but had a monthly direct debit. I heard (but not sure if it’s true) that this can end up giving you a very good credit rating

Cashback won’t but credit credit and paying in full on next statement will