Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Would I ever need credit card if my debit card is issued by MasterCard/Visa?
The credit card may have advantages in at least two cases: In some instances (at least in the US), a merchant will put a "hold" on a credit card without charging it.  This happens a lot at hotels, for example, which use the hold as collateral against damages and incidental charges.  On a credit card this temporarily reduces your credit limit but never appears on your bill.  I've never tried to do it on a debit card, but my understanding is that they either reject the debit card for this purpose or they actually make the withdrawal and then issue a refund later.  You'll actually need to account for this in your cash flow on the debit card but not on the credit card. If you get a fraudulent charge on your credit card, it impacts that account until you detect it and go through the fraud resolution process.  On a debit card, the fraudulent charge may ripple through the rest of your life.  The rent payment that you made by electronic transfer or (in the US) by check, for example, is now rejected because your bank account is short by the amount of the fraud even if you didn't use the debit card to pay it.  Eventually this will probably get sorted out, but it has potential to create a bigger mess than is necessary. Personally, I never use my debit card. I consider it too risky with no apparent benefit.