Do you use Credit Card or Debit Card for all day to day spending?

Band7

Both, at present. Whichever gives me the highest cashback, and I don't use the debit card if I want Section 75 protection. On the rare occasion when I need cash, I use the debit card, never the credit card.

As soon as the cashback on my Chase card stops, I will revert to credit card only, where I get between 0.5% and 1% cashback, depending on card and retailer. I don't like to leave even small amounts of money in current accounts that don't pay interest, and I hate it when a debit card purchase fails because there is not enough money in the account. Goes without saying that I pay my credit card off in full each month.

Bridlington1

Credit Card

I get a direct debit out of a credit card, not to mention at least a month's worth of extra interest on the money I spend on the credit card. The only exception to this rule is if I get more cashback by using a debit card.

Rob5342

Debit Card

I always use a debit card (actually googple pay on my phone). I used to use a credit card but into a bit of a sticky situation so I just use a debit card now.

GTR_King

Debit Card

I use my debit cards for my everyday spending/food shop etc,

use credit card for buying things E.G video games online or when I have to 

adindas

Its_just_Barry said:

Just curious to find out if people use a credit card or debit card for day to day spending? I’ve started to use my Virgin Atlantic credit card for absolutely everything now to rack up my points.
Have a good weekend everyone.

Both. It will depend on which one offer more benefit. There are a few variables to consider

Cash back

Foreign purchase

0% on purchase Credit card offer.

section 75  protection

Also sometimes even Debit card offer advantage such as cashback, you might still want to use Creditcard for a small purchase to keep them alive.

, etc  ...

gary1312

All my small/day-to-day purchases are in cash, of course withdrawn from my current account with my debit card.

I don't, however, use the debit card function on said card. I have a Marbles credit card which is used for larger purchases and in cashless cafes/bars etc.

surreysaver

I'm using Chase, but now interest rates have risen I'll probably get a 0% on purchases credit card

masonic

Debit Card

Debit card now, but credit card once the Chase cashback ends.

phillw

Credit Card

wiseonesomeofthetime said:

Chase Debit for mine as 1% cashback

0% purchase credit card for mine and I'm putting the money into a 4 to 5% regular savers. You lose a bit of interest because of minimum payments, but it beats the chase cashback considerably.

username

Credit Card

Credit card for everything that accepts it, paid in full and on time. Would rather get points/airmiles of some sort rather than nothing if I paid via a debit card.

It's a shame that my local council (in one of the top 10 wealthiest areas in the country) insist on debit card only payment for council tax, claiming the cost of credit card transactions. Yet it has still cut services and have slowly crept up charging times and amounts in its car parks, removed a lot of public bins etc.

Looking briefly a lot of councils accept either debit or credit card with no fees or restrictions, so I guess they need to get a better negotiator or card merchant agreement.