There is a thread going on about room hold charges and I didn't want to hijack it. I pay off my CC cards in full every month. Why does anybody use a debit card? By doing so, you lose the fraud protection and ability to dispute a charge that you have with a CC card. In addition, you lose the 20 day float, not that any account pays sh*t in interest these days. I'm not being critical, just curious. Is it poor money management skills; trouble getting credit? Just speak in general terms.