While I am not a banker but a retired CPA and never had or will ever get a debit card even though Wells Fargo keeps offering. I have a number of credit cards 8 or 9 and use the ones that give the best rewards. I only pay for my United card as it gives free luggage and lounge pass and collision insurance which more than covers the cost of the card. I have 4 cards that had to be cancelled because of fraudulent activity and never had any cost or problems. I am sure I would not have been as fortunate with a debit card. Also even at home I always use a credit card whenever possible even for small purchases which my wife thinks is crazy.