I used to pay everything with my debit card a few years back when my credit cards got cancelled (I’m now rebuilding). I now pay everything with a credit card, and pretty much use it as a debit card, meaning that I pay all my bills with the cc and then pay it off as soon as I can. It’s also a rewards card, so I do get a few dollars back which is nice and it’s also great to know that if my card gets stolen either physically or online (it already happened), I’m covered.
The only thing is that with a credit card it’s a lot easier to get carried away, specially when you start getting bigger credit limits.
ATT has a 5% discount? How does it work? I hate ATT! I’ve been with them for years but I’ve been wanting to leave forever. I just really need my iPhone so I don’t have too many options.