I was the same until recently. Nowadays I don't see a good reason for not using a credit card over a debit card. My bank charges me like $2 a month for a Visa.

I was the same until recently. Nowadays I don't see a good reason for not using a credit card over a debit card. My bank charges me like $2 a month for a Visa. My Mastercard is free and has a tiny cashback. It's not gonna make me a millionaire, but so far I haven't experienced any downsides.