Debit cards come free with most bank accounts here. But the fraud-protection laws give you much more protection for a credit card than a debit card, so many peo

Debit cards come free with most bank accounts here. But the fraud-protection laws give you much more protection for a credit card than a debit card, so many people who have both only ever use the debit card to withdraw cash from an ATM, and use the credit card for purchasing things. Also, among the types of people likely to have and use luxury-device payment systems (like brand-new iPhones), typically credit cards are coming with some type of "reward" for use -- some give "cash back" (you get refunded a certain percentage of what you spend), some give points/miles for hotels or airlines, etc., which creates another incentive to use the credit card rather than the debit card.