I think the discussion over CC versus debit card and fraud issues misses the mark that a lot of people using CC will not be able to pay them off due to sky high interest rates and inflation, to me that is the reason CC are more dangerous to use than debit cards. I believe we will see soaring bankruptcy rates in the coming years. I am actually glad that my past and continuing financial situation makes me unable to get a credit card, it has forced me to plan purchases rather than make emotional ones. I grant you that having a credit card for emergencies is nice and maybe sometime in the future I might qualify for one, but to use it to make regular purchase for non necessities? never again.