As long as you are careful with it, credit cards are fine.
I have one that I have learned to charge everything on, and
then pay it off each month. It builds cash rewards--1% on
everything--and you can call up and get the cash anytime.
It also gives 3% on a new GM vehicle and many times they'll
give you some bonus money. On the last Yukon we bought,
we had $3000 total in that credit card to use against the
new vehicle. You make the deal, then they'll take this off
the price. Not that you want to do that. Just make sure to
pay off the balances every month, that's the key.
It's nice to have them to put machinery purchases on if you
are far away and have to have the parts sent to you. That
right there has made a credit card invaluable to us.
And I've read where debit cards are easier for scam artists
to use than credit cards, so I no longer use my debit card.
Good luck! My advice is to get it.
There are two ways to be fooled. One is to believe what isn't true; the other is to refuse to believe what is true.