I just want to mention that some debit cards have rewards programs attached to them. If you avoid paying with credit cards, you might want to ask your bank if they offer reward points when you use your debit card as a credit card.
P.S. paying with a credit card is fine in my book as long as you pay off the balance before accruing finance charges. showing a good payment history with a credit card is important in building a good credit score.
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