Credit cards vs. Debit cards: Which to get?

If you have an account with a local or national bank, most likely they?ll offer you an ATM card with a Visa or Mastercard logo. These cards (called ?debit cards?) can be used at any store that accepts the Visa/Mastercard as well as your local cash machine. So, how does it differ from a regular credit card?? Say you buy the new Kelly Clarkson CD for $14.99 using your debit card. Swipe, sign, and bag it. Since the debit card is connected directly to your bank account, the $14.99 is automatically deducted out of your account. No bills in the mail from Chase or Citibank.? Using a credit card for this purchase, such as these cards geared towards students, would add Ms. Clarkson?s vocal stylings? $14.99 to your current month?s bill, which you pay off when it comes in the mail. What are the benefits of using each one?? The debit cards are certainly more convenient. The account is tied to your bank account and there is no bill to pay (or accrue interest on). It also doubles as