I never use debit. It's mainly cash for me. If I don't at least have $100 on me at all times I feel naked. That comes from working in a cash business though. I really only use my CC for groceries - as I get points for free groceries - and online purchases - and I don't run a balance on it.
“That's it. You people have stood in my way long enough. I'm going to clown college!”