The only (imho) benefit for a credit card is the safeguard and the ability to get your money back. I have stopped using credit cards for more than a decade. I

The only (imho) benefit for a credit card is the safeguard and the ability to get your money back. I have stopped using credit cards for more than a decade. In the UK I bank with RBS and when I have fallen victim to a fraud (e.g. my card been cloned or an online service stupidly saving more data than they should) I always gotten my money back. I understand collecting points, but a debt is a debt and a credit card is a gateway to debt. Cash is king! Edit: by 'cash' I mean debit card, not carrying £1000 on me :)