Latest responses to “Charge cards vs. credit cards: 3 reasons to charge it” Copyright 2013, MoneyBlueBook.com 408150 2010-12-18T09:43:48-08:00 Pete L I've always thought a charge card is a nice middle of the road card, between a debit card that takes money immediately, and a credit card that lets you run up too much debt if you're not careful. It gives you a little breathing room, while still making you aware that you need to pay everything off.