my cc charged me appx $2.50 this past month, as an interest charge rate for appx. a $300-400 balance that was carried over for the month.
Compare that versus $5 a month for using your own money via a debit card and with less much protection against fraud and theft than a CC offers.
I also have banks send me their ATM card only, no visa or mastercard logo on them. Using debit/ATM cards as CC’s is for losers.