[Rick Lee]

If you're not getting a discount for paying cash, then you might as well use a cc and get the points. You are paying the vendor's merchant fees to the cc company, because they are built into all prices. I would never use a debit card for anything but an ATM. Even then, I get my cash when paying at the grocery store, since it doesn't count as an ATM, so there are never fees. If your number gets swiped, your checking account can be cleaned out before you know it, and good luck getting that fixed. Fraud on a credit card is the cc company's problem. Cleaning out my immediate living expense cash from my checking account is my problem.