You are better off having a credit card with a limit you can manage than a debit card. If by mistake you are overcharged on a debit card it can take two days or longer for the money to be returned or released back into your account. That means if the cashier charged $500.00 instead of $50.00 which has happened, even though they do an immediate reversal, it can take a long time even days, until you have use of your debit card again. The money is instantly withdrawn from your account and you cannot use your card again until the bank releases your money. This can cause huge problems if you rely heavily on your debit card.
So even though the cc company gives you a $5,000 limit, you can have them limit your card or your spouse’s card to $1,000 for instance so you have more control of your spending. You can also keep within your budget by keeping ALL your cc receipts in one envelope and keep a running number on the outside of the envelope similar to a checkbook register.