At this last MAGFest, I had an extremely limited budget, as rent had just been taken out and I was paying for all these things like airfare and the hotel deposit, etc. I tend to pay most things with debit if I can. So, when I got to the hotel, they asked if I wanted to pay with debit or credit. Naturally, I said debit. What they do is withdraw the full price of the hotel AND any potential collateral (or incidentals) during the stay. Pretty much wiped out my entire bank account down to about six dollars. The only way I could eat was to use up the incidentals that I had already paid for by buying from the hotel restaurants and the in room menus which are infinitely more expensive. They do return any of the incidentals you don't use, but not until after. And by that time, the return was rather small and I still had about a couple weeks until my next paycheck. With credit, they don't actually do that. So, go credit. Definitely credit.