LogFAQs > #943685154

Credit and paying it off by the next statement date is the only answer (unless you're unable to manage credit for whatever reason).

You get an extra month before having to pay it off vs debit/cash, and if your credit card is compromised, the bank will spring to action immediately to resolve it, because it's their money on the line. When it's your debit card, they can take a few weeks to resolve it, and you're often out of that money while you wait.

And credit card give points, miles or cash back, which make them even more valuable. (Very few debit cards offer rewards.)

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Azuarc is my favorite arc of the Game of the Decade 2020 anime.