It definitely makes sense to use your credit card when you have the amount of money you're spending. You probably should only be spending when you have the money to do so. The advantage of using a credit card over debit is that it builds your credit score and has other benefits (such as cash back, airmiles, etc).
Another thing to note is that keeping your credit card utilization under 30% will build your credit score fastest. If you want the cash back benefits of spending more than 30% and you want to build your credit score quickly, you can also pay it down to 30% utilization before the statement date.
pirscent t1_jec2gb9 wrote
Reply to Credit or debit card? by SativaSunshineX
It definitely makes sense to use your credit card when you have the amount of money you're spending. You probably should only be spending when you have the money to do so. The advantage of using a credit card over debit is that it builds your credit score and has other benefits (such as cash back, airmiles, etc).
Another thing to note is that keeping your credit card utilization under 30% will build your credit score fastest. If you want the cash back benefits of spending more than 30% and you want to build your credit score quickly, you can also pay it down to 30% utilization before the statement date.