Yes I had similar setup when I had credit card in the past (when I worked in Hong Kong I had to open bank account with HSBC and my account came with Visa credit

Yes I had similar setup when I had credit card in the past (when I worked in Hong Kong I had to open bank account with HSBC and my account came with Visa credit card, the debit card they issued was not Visa or MasterCard so did not work in many stores so I used credit card mostly). It was annoying as even though I setup automated direct debit I simply didn't have peace of mind. I don't trust HSBC systems to be bug free and a bug in their software which would not process by direct debit is something I'd keep worrying about. Much better not to have this additional subconscious stress. But if you are in UK or Germany or country like that there is no need for credit card really. Debit cards are ubiquitous and work everywhere (UK banks will give you a proper Visa/MC debit card, not some Mickey Mouse debit card which only works in ATMs).