Building Credit:

If you have no credit or are trying to improve your credit score, using a credit card responsibly will help your credit score to build up because credit card companies will report your payment activity to the credit bureaus. Debit card use does not appear anywhere on your credit report but however it can't help you build or improve your credit.

Insurance:

Most credit cards automatically come with consumer protection plans that people don't even realize they have, such as rental car insurance, travel insurance and product warranties that may exceed the manufacturer's warranty.

The Bottom Line

If you already know how to use a credit card responsibly, then you really shouldn't be using your debit card for anything other than ATM access and also if you don't know how to use a credit card responsibly, now you have even more incentive to improve your habits. Many benefits await those who opt to responsibly use credit cards instead of debit cards.