I’ve been getting sucked down this rabbit hole and wanted to share my 2 cents.
I got my first Credit card at 20, to build my credit. After a few months of using it I realized how benefitial it can be to only use it.
I have not swiped my debit in over 7 years, I now have 3 Credit cards total with unique rewards. I have never paid a single dollar in interest, I pay off the statement in full the moment it hits, and have accrued $1,000’s in rewards and have an 800+ credit score.
Long story short, you should use a credit card for every purchase as long as you’re capable of not spending money you don’t have, and pay full statement and never minimal payments.
You use a debit card at 31 years old