kima wrote:
maybe so... but i'm more paranoid than you think as i rarelly use my credit card. i'm aware of all the risks...lolll...only have one, don't see the point of it... i know that there is a great culture around credit cards... but i hate them. on my day to day transactions only use the debit card. if i have the money i spend it if i don't have i don't spend...and it's much safer, because even if it gets stollen or copied you still will need the pin, credit cards don't.....but infortunetly, more and more credit cards are requested for more things..... just a way for the banks to get more bucks..
|
I was actually very much the same 5-8 years ago. Somewhere along the way I had to learn to deal with progress, though in person I still use debit almost exclusively. The good news is that banks/cc issuers only make money off of you if you are irresponsible. Off me they just make something like $15 CDN per year in charges for the privilege of having a card. When you consider the otherwise high costs of international transactions and currency exchanges, it's not so bad.
Also, I'm not sure how far along you are in terms of age and personal/career development, nor whether things are different in Europe, but if you don't regularly use a credit card in Canada or the U.S. it's very hard to build a credit history, without which you'll never be able to get a mortgage and buy a house. But one tiny transaction a month and prompt payment each month is just as good for your credit rating as having a ton of huge loans or running credit card balance, also being promptly paid.