I personally think debit card is better than credit card. Curb spending. It's good for students too because they can control their spendings this way.

I have seen many people going bancrupt from not being able to pay for their credit card debts...and I am really sad to know that there are still many people who doesn't know how to plan their financial future.

As for me, I am using KTAR debit card, and I like it =)