You get points. I pay a fee on only one of my cards, the one that gives me 6% back on groceries. I make decent money using that card.

If someone steals your debit card, they can directly take money out of your account. With credit cards, there's a buffer between the product and the bank account, and it makes it easier to stop fraud

Tons of cards have zero fees. Some offer rewards and benefits at no real cost. I have for nearly a decade used a card with 1% back on purchases and 1% back on payments. Running all my usual spending through that and then just paying it off has net me a lot of money in that time that I just use for statement credit.

It's easy to dispute charges should I ever need to. Rare since I'm cautious anyways, but the extra layer before my actual bank account is nice.

It has also built up a hell of a credit rating for me as well.

Fiscally responsible people do it because of the cash back/perks and 0% interest.

Fiscally irresponsible people do it because 'free money' (ignoring the 28% annual interest).

Credit cards also offer better consumer protections than debit cards. Ex: chargebacks.

My debit card is a master card.

They still need to go through a payment processor, using a debit instead of credit card isn't really the solution to the current problems.

I live off a credit card, my money sits inside an offset account against my home loan the interest charged on that is calculated every 30 days at the end of the month so the more cash I have in there the less interest I pay on my mortgage.

The credit card is free with no fees or interest provided I pay it off on time with that date being every 30 days from the 15th of the month.

Thus at the end of the month when interest is calculated on my home loan I have more cash in my account then I would if I had of spent 2k that month on bills etc.

The other benefit is I earn points that the bank will exchange for cash with me so it's kinda like free money.

For context I'm Australian with an Australian bank.

This set up is great if you're disciplined for anyone due to the points etc however if you screw up spend beyond your means etc you will incur interest and that's not good.

I make sure to never spend more then I actually have and it has worked wonders for me.

In the past 10 years I've probably been made about 7k back in points value.

Cash flights etc all for spending exactly as I do.

I should note the card is provided to me as part of my home loan package hence it has no fees attached as I pay an upfront cost for the "home loan wealth package"

I buy stuff for work with my personal card and I've made probably thousands of dollars from the cash back. Even on my regular cards I get a couple hundred back off of stuff I normally buy.

There's other benefits too like using points to buy plane tickets, fancy lobbies in the airport with free food, etc.

Because I have to. A lot of platforms literally don't support debit cards.

Because people are reliant on debt because wages haven't kept pace with expected standards of living.

Of for more ago well off people some cards offer perks like cash back or air miles and it's free if you pay it off in full each month.

Also, in my country at least, you get more protection if you have an issue with the goods you've bought. https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/

Because many people don’t actually have the money on hand. Some do but me and many others are spending money we don’t have yet. It’s a negative feedback loop of debt because capitalism sucks

I’ve just got rid of my credit card after 10 years in NA. Yes it can come in handy if you need a couple grand all of a sudden but damn, what a ball and chain, I hated it