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There are again, several differences between Credit and debit cards. One fact about Credit cards is that some  offer rewards that you can use to get gifts, cash back or discounts for products, services and special events. Another fact is that federal law also protects you if you need to dispute charges on a credit card, but not if you use a debit card or other forms of payment.

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I think that it is overall better to just pay with cash because you will have nothing to wory about and there are less fee's. I also think that you do need to have both at some point. I think you need a credit card for when you buy a house or a car or just anytime you need good credit. I think you need a debit card for purchases online and for things that are not that big.

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Federal laws protect you when you use a Credit card , the same cannot be said for debit cards. There is nothing supporting you when you use a debit card because it is your money not someone else's. If you are not happy with a purchase using a Credit card when you return the item there is nothing held against you.

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Two years ago, I began an every-other-day ritual of checking my credit score. And that ritual gave birth to a mission: I'm shooting for 850, the perfect score.

If my score changes, I will often call my parents to conference about it (whether they want to or not). I recently gave an impromptu subway lecture about the importance of your credit score for future purchases to a friend who funds his life with a debit card, which doesn't build credit. Though I haven't quite reached the point of bringing it up on dates, I may have a preferred range of credit scores in mind.

I can pinpoint the moment when I became this way. It was the day I learned-while reading a LearnVest article, in fact-the definition of one little phrase: credit utilization.

Credit utilization, one of the factors that has the highest impact on your credit score, is the percentage of your total available credit that you are currently using (you can calculate this by taking the total of your credit card balances and dividing it by the total of your credit card limits). Those with the best credit scores keep their credit utilization rate below 30%.

RELATED: Credit Scores 101

Up until that point, I'd assumed that I had as good a credit score as was possible for a 21-year-old. When I turned 18, I opened a credit card, which I paid off in full and on time every month. But this whole credit utilization thing appeared to be a game-changer.

I only had one credit card, with a low limit of $700, since I was in college and only employed part time. Never one to carry around cash, I used the card for most of my expenses, including groceries, books, gas and entertainment. This brought my balance up to about 50% of my limit more months than not.

Even though I always paid my bill in full at the end of each month, I learned that depending on when the bank reported to the credit agency, my score could be taking a hit for my relatively high credit utilization.

That same day, I created an account with Credit Karma, which provides free credit scores, and the rest is history. I spent two hours absorbing every chart and graph on the page, learning about the factors that contribute to my score. I scrutinized my credit "report card," which summarizes how I rank in each of the factors. Luckily, my credit score was nowhere near as abysmal as I feared it would be, clocking in at around 730.

Still, I started to change my behavior: I paid down my bill if it got too close to that 30% mark during the month, and made a mental note to get my credit line increased once I got a full-time job.

RELATED: I Want to Monitor and Improve My Credit Score

Apparently, I'm not alone in my case of mild credit psychosis. Al Bingham, a consultant, consumer advocate and author of " The Road to 850," a comprehensive guide to how credit scores work and how to improve yours, says that he gets numerous phone calls and emails every day from people seeking guidance about reaching that golden number.

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Shooting For 850: Why I Want A Perfect Credit Score

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Two years ago, I began an every-other-day ritual of checking my credit score. And that ritual gave birth to a mission: I'm shooting for 850, the perfect score. If my score changes, I will often call my parents to conference about it (whether they want to or not).

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Learn How to Build Credit and Establish Better Credit

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Learn how to build your credit with this Better Money Habits video about establishing credit.

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There are many differences between debit cards and credit cards one is that debit cards are linked to your bank account so the money you spend is automatically deducted from your account. Another fact about debit cards is that your bank balance goes down with each debit card transaction, so you’re less likely to overspend.