Store credit cards are not a good deal for consumers. They usually have higher interest rates than other credit cards and are designed to encourage repeat purchases. Debit cards are can be useful as long as you understand its risks. A debit card takes money directly from your checking account, and if lost or stolen, your account could be drained. Visa and MasterCard have promised to voluntarily credit accounts, but once again it may not be worth the hassle.
Debit cards are more similar to paying with cash than either a check or a credit card.
Unlike credit cards, you can't stop payment or have the right to dispute payment if the goods are defective. Deferred payment plans are another tempting Christmas shopping offer. Unless you can pay off the full balance by the due date, don't fall for this trap. Companies plan to make big profits on finance charges, which may start from the original date of purchase. Be sure to read all the details.