99% of the time I use my credit card because I get charged for every transaction I make with my debit card, I know it's stupid because other banks don't do it I think but whatever, and it is also what I use for all my online shopping...and besides, it's not like I buy stuff to a point that I am in debt, I always buy in accordance to what I have in my bank account, I'm sure alot of you are just as responsible.