If you use a debit card, the money is taken out of your bank account instantly and getting that money back is a giant pain. In a credit card (in the US), that m

If you use a debit card, the money is taken out of your bank account instantly and getting that money back is a giant pain. In a credit card (in the US), that money taken out is the bank's money and you can always dispute that transaction which leads to the bank losing money, not you.