OK, as a complete finance numpty I am putting this SOS out there for help 
What are the *actual benefits* of having a credit card as opposed to debit cards? Im 23 and i've never had a credit card, nor overdraft, so i'm struggling to understand why i'd ever need one.
Surely if someone needs money, but doesnt have it until the end of the week, then why not get an overdraft on your debit cards (barring interest obv)?
Aside from liability on large purchases and building up a credit history, are there any real tangible (sp) benefits to moving to a Credit card from a debit card?
BR,
SMN.

What are the *actual benefits* of having a credit card as opposed to debit cards? Im 23 and i've never had a credit card, nor overdraft, so i'm struggling to understand why i'd ever need one.
Surely if someone needs money, but doesnt have it until the end of the week, then why not get an overdraft on your debit cards (barring interest obv)?
Aside from liability on large purchases and building up a credit history, are there any real tangible (sp) benefits to moving to a Credit card from a debit card?
BR,
SMN.