Question is I never understood why debit cards came into effect. With creditcards the place where you purchase pays the 2 or 3 percent to let you use the card. With a debit card you tap directly into your bank account. Please tell me why you would do this. If you only use the creditcard and pay off each month, you only need to carry a small amount of cash. Or carry or keep handy a large amout of cash (only the amount you intend to spend each week or month) on hand. Which way do all you go? Or which way do you think we all should do?