I have both credit card and my ATM card which is a debit card. The credit card that I have are for fixed purposes like one is for the gasoline and groceries, the 2nd card is for dining out and shopping and the 3rd is for sundries. Yes, I have 3 credit cards but with a specific purpose for each one. I don't remember using my debit card because if I do not want to pay with my credit card I always use cash. This is not to brag but I always have cash in my wallet. That is my "security blanket" so to speak.