Always handy to have for emergencies though. Especially if you drive a car. Other than my fees I do have enough (just) to live on so most of the time I do use my switch card. But I can also see the benefit of using a credit card for online purchases and abroad etc. Especially cause of the insurance you can get from some cards.

No, for if you need to make a payment to get your car towed or whatever and you don't have that amount of money in a current account, for example.

Credit cards have amazing insurance if u use them to buy faulty products etc etc.

Yup that too.

But if you have a large income and a credit card with 0% interest on purchases surely you could pay for a holiday on a credit card and then the money for said holiday could sit in an isa and make you cash until the holiday has to be paid for.

My savings do sit in my isa and as such make me more money than if they were simply in a current account (or at least they did until I used them to pay my fees). But if, like I said above, I was to need something in an emergency my debit card wouldn't cover it so I'd put it on the credit card then use the money in the isa to pay it off.

It you're sensible a credit card can be a shrewd way to manage your money.

I can see the benefits both ways. But it just depends on whether you can trust yourself to be sensible. Keeping your money in your own bank account for the longest time possible is always going to be of the best benifit to your bank balance. So long as you don't pay out higher interest than you make.

I use a credit card for a few reasons:
1) the benefits, like air miles, travel insurance, problems with items you've bought (especially over the net)
2) no hassle of an overdraft, with associated fees, so I'm never checking how much money I have in my account
3) improves my credit rating which could help me in the future to take out loans, or to buy a car

I know someone who set up a direct debit to pay off his credit card bill, so if you can't be bothered for the hassle of having to make payments, you won't have any problems, and you'll still have all these advantages...

Debit cards are hard to come by down here - everyone has EFTPOS cards but are no good when you want to buy things over the phone/internet.  I think my bank is the first to have an actual debit card and I only got that towards the end of last year, so getting a credit card was useful for us and always good to have in an emergency, especially when hubby thought that he'd have to fly home at short notice coz his dad was quite seriously ill recently but I do see the pitfalls in having one.