Well an age old question for me, The debit card is my choice 1. because it is using money that u actully have 2 no bills to pay after using it 3. no membership or annual fee and 4.I would use a credit card like it was free money, and we all know that isn’t true, unless it is an x boyfreinds card that u never gave back and that he did not cancel because he thought u would come back to him if he let u keep it. and last but not least, the bank will let u have it even if you do not have any credit.
Re: ok ladies u can understand this one, Credit card or Debit(ATM) card?
ermmm did you post this in the wrong forum? 
Re: ok ladies u can understand this one, Credit card or Debit(ATM) card?
credit card is always better if you have the 'discipline'. get a no fee credit card, with some reward attached to it.
discipline meaning that you pay on time (to avoid interest charges), and using it as an ATM card (meaning its not free money).
I've got 2 CCs, and have enough points on both to get me some decent rewards.