[skadamou]

If you are able to pay off your credit card balance each month, you can earn rewards points on every purchase which is money back in your pocket. Even if it seems like a tiny amount, in the long run, you are leaving money on the table using a debit card as opposed to a credit card for most of your purchases.

The big caveat being you MUST pay the balance off each month to avoid paying interest otherwise you are losing money by using a credit card.

[ivm]

At least in Chile, it’s common to have 3 months of interest-free payments offered by the banks, and some stores offer up to 24 months for cards issued by certain banks.

It really helps with one-off costly purchases, like a new device or some stuff for home/garden. I never miss card payments and keep my finances organized, avoiding purchases I can’t pay off monthly.