> debit card requires you to have the full amount available at the time of payment
Yes, and for many, this would be a benefit rather than a drawback, as it forces them to wait and acquire the funds for the purchase before doing the actual purchase. Purchasing things with credit and then not being able to pay it back would put you in a worse position, in most cases.
yes, I get that. some people can't consistently balance a monthly budget. but you asked why not use only debit, and I gave you a reason. for people that can manage a monthly budget, a credit/charge card is strictly better, even if you don't take cashback/rewards into account.
Yes, and for many, this would be a benefit rather than a drawback, as it forces them to wait and acquire the funds for the purchase before doing the actual purchase. Purchasing things with credit and then not being able to pay it back would put you in a worse position, in most cases.