>You missed the biggest advantage of credit cards - the limited liability of the card holder to fraudulent charges! An excellent point. Although my bank (Chas

>You missed the biggest advantage of credit cards - the limited liability of the card holder to fraudulent charges! An excellent point. Although my bank (Chase) caps my debit card liability at $50 despite the difference in the law. But that has its own disadvantages. Whenever I travel, if I use the debit card, I invariably get declined the first time I use it and my phone and email blow up with "Fraud Alert!" notifications. Which is annoying as hell, especially since if I use a credit card for the same transaction, Chase doesn't flag that as fraud. Which, of course, is related to how they indemnify my debit card above and beyond the law.