What you say about debit card is very correct, but with a debit
card, you won't enjoy all the discounts, privileges and rebates a
credit card might earn. It's basically like a NETs card but instead
of using your PIN you sign for it, which is convenient.
Besides, where debt payment is concerned, you shouldn't even be
late on your payment in the first place.
Not saying your points are totally invalid, but to imply that there
is no advantage about credit cards is very untrue. As for causing
you to overspend, there's no gurantee that a person without a
credit card won't overspend either. It's about control really.
