The danger of the debit card is that if there is an unexpected charge or some other banking error, your cash is tied up until the problem is resolved. You can't

The danger of the debit card is that if there is an unexpected charge or some other banking error, your cash is tied up until the problem is resolved. You can't access your money. With a credit card the tied up money is the credit card company's . My policy is to use credit for anything over $20, and just pay off my balance every month. It's a good compromise between safety and convenience.