debit cards are directly from you back account. Cash you have... it's the same. A credit card is a secured credit line. Invisible money that you can use now and pay later with real money. As long as your responsible about paying your balance off at the end of the month, the end result gives you a good credit score. If you pay off your balance your interest is low... however you pay the minumum payment and they take interest on the remaining balance each month. Leaving a 35.00 purchase to end up costing you 45.00.
the benefits (if your smart)... you will have good credit. You will be able to buy a new car, a house, lease an apartment, etc. If you have bad credit or no credit you get ripped off with high interest (like a 10 year old junk car w/ a 19.% interest rate-- costing you a lot) and you may be denied an apartment or a home.
