3. Rewards

Credit can come in handy on some big purchases. Rather than using your debit card, it may make better sense to pay with your credit card, then settle the amount immediately.

This is because credit cards often offer more protection for larger items, such as extra insurance...

• When you want to avoid getting into (more) debt: Since your debit card is connected to a checking account, you theoretically only spend what is available in your account.
• You want to pay for everyday purchases conveniently—things like gas, grocerie...

Credit card usage can lead to debt and the debt grows itself while unpaid. However, used responsibly, it's a good way to start building credit. 

Most credit cards also have other benefits, such as rewards points, cash back, or travel points. But if you're incapable of payin...