<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by pgary:
1. Some people can't qualify for a miles producing credit card, due to poor or non-existent credit history.
2. Some people know that they will abuse any credit card they have, and so need the discipline of a debit card.
2. Many business accept debit card pin transactions, but do not accept credit cards. (I buy my gasoline at one of these.) The Bank of America debit cards are the only ones I know of that give miles for PIN transactions.
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The credit cards are definately a better way to go for the added security, and better customer service (as a rule.)
Debit cards are not always great for developing discipline, either. Most banks will allow charges and withdrawals even when there is a negative balance, and then charge a big NSF fee for the favor.