I was deliberately debit-only for years. Someone on a podcast explained why they used credit cards for extra protections from banks beyond debit cards. I don't know the accuracy of what was said, but the show is hosted by three smart people and neither of the other two disagreed that credit cards have more protection than debit cards so I assume it was generally accurate. I got a credit card right away and use it for most purchases and pay it off in full every month.