YOu also don’t need to have cash on you if you have a debit card. And, unlike a credit card, you can tell the bank you want no overdraft protection, so if you exceed the money you have in the bank the transaction will be refused (embarrassing, but it will keep you within budget).
You can also check your balance online.
Debit cards don’t charge interest. Depending on the type of account, you may actually *earn* interest.
And, you don’t run the risk of running up weird fees that you never heard of because they’re buried in the 45th paragraph of the small print you never read 😉
Or you can keep most of your money in an interest-bearing savings account and only transfer it to your checking account as you need it.
The people who run the credit card companies do it to make money – YOUR money. Why pay them to spend your own money?