Credit cards offer protection over debit cards. After all, it’s the banks money if something fraudulent happens on a transaction, not yours. I always use my credit card over my debit card mainly for this reason.
Some credit cards offer cash back or rewards which build up when you spend.
I have a direct debit set up to pay off the balance at the end of the month so it just automatically pays itself off.
HAMMOND YOU BLITHERING IDIOT!