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Federal law also protects you if you need to dispute charges on a credit card. Also  if you pay for something with your credit card and aren’t happy with the purchase, your card issuer can legally withhold payment from the retailer until they resolve the dispute, and you won’t be charged.

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I think I will apply for a credit card. And my view hasn't changed because they are protected and they are safe to use. And you cant go over your limit of money so you don't owe any money.

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Be aware that card issuers can raise your interest rate after you’ve gotten the card.

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when you don’t pay the balance in full and are charged interest as well. That can quickly add up.

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You can spend more than you have

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For most people, using both a debit card and credit card makes sense. The key is not to spend more than you have with either. If you can do that, you’ll be able to enjoy the benefits that each provide

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Credit cards basically allow you to use someone else’s money (the card issuer’s) to make a purchase while you pay the money back later.

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Debit cards are linked to your bank account so the money you spend is automatically deducted from your account.