Also I have read posts that are pro credit, pro debit, anti credit, anti debit...can anyone give me a straight answer about the pros/cons and the difference? I thought I read in a financial article that debit cards aren't safe because they aren't covered like cc's, and they give whoever steals it direct access to your bank account.
I think that's one difference, although it probably depends upon the bank and the locality as to how it works.
Another major difference between debit and credit cards is that money spent with a debit card is gone immediately, while money spent with a credit card can be "floated" for up to a month without racking up any interest. Because of the way credit card billing cycles work, the money I am putting on my card now won't actually come out of my account until next month unless I pay it off early. If I just pay the statement balance each month, I'll essentially be getting an interest-free loan for about a month.
That difference doesn't always matter, but it can sometimes be advantageous to have a delay between spending the money and paying the bill. For some people, it's how they manage to maintain steady cash flow even between paychecks. I personally use the delay to maximize the interest I earn--my bank compounds interest monthly on the last day of the month, and I have my credit card set up to pay the statement balance closer to the middle of each month. So on the day that interest is compounded, my full paycheck has been deposited (I get paid once a month), but I haven't actually used any of it to pay bills yet.
Another difference is the rewards. Lots of credit cards offer points or cash back that give you some fraction of a dollar (or equivalent) for every dollar you spend. It takes awhile to get anything significant, but it does add up. Debit cards typically do not have this.
On the other hand, some stores I've shopped in offer a discount for cash, and include debit transactions in that discount, so that can be an advantage of using a debit card. You can also get cash back in a lot of places, which is a quick and easy way to get cash when you need it.
I don't like putting everything on my cc because I don't have a very high limit and there are auto payments that can max it out very quickly.
You may not have any interest in doing this, and it may not still work, but sometimes credit card companies will raise your limit if you ask them to.
I started out with a $500 limit on my credit card when I was a 20 year old college student with no income, and it's way, way more than that now. Mostly because I called and asked them to raise it a few times, and they raised it automatically a couple of times. It is very useful when I have a one-off unusually large expense (like the $3,000 we spent on airfare to visit my DH's family). It's rare for me to put more than 10% of my credit limit on my card in any one month (and it's usually quite a bit less than that). But it's nice to know it takes a lot to max it out in case I ever do need it.