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Until the world we live in is structured in a way you can get by without a credit score they are useful.
I think credit cards are worth the convenience if used properly. They come with great responsibility though and can definitely be a double edged sword. If you're irresponsible, don't get a credit card. If you're responsible, there's absolutely nothing wrong with one
Alternatively, the reality is businesses don't take personal checks much anymore. Carrying around a bunch of cash for larger $1000+ purchases isn't practical and arguably risky due to loss or theft. You can use a debit card but it's less secure for one and again larger purchases that you might need to draw funds or transfer funds from a savings account into the checking account that's tied to the debit card may be inconvenient to do on the spot and the transaction will take time.
If instead you have that much cash in your checking to use a debit card for large purchases
it is just devaluing itself sitting in a non-interest earning account as inflation rises in the background.
Only if you are able to keep track of your spending and want to hand over your consumer data to credit card companies.
Ideally, you should get familiar with secure online banking methods and basic money management principles first before using anything but cash.
Going to the bank for receipts regularly can become quite a chore - even more so when loosing track of your spending only to be unpleasantly surprised when picking up the receipts.
However, if you only want it for cashless pay, debit cards would be an alternative to credit cards. Many bank cards also double as debit cards, so you might already have one. However, you should live in a place where they are broadly accepted and safe to use.
That should be the case in many Western countries, but many other places rely predominantly on credit card and e-cash services.
IMHO, cash is king!
Debit cards exist...
And e-cash.
I wish Steam would also offer SEPA Direct Debit, then I wouldn't have to go through an intermediary.
No.
Ask yourself how banks make money from them?
The only way it would be worth it is if you were trying to build credit rating to take out a big loan, say, for a house, but even then you can still get a loan like this without having a credit card if your finances are in order.
The biggest red flag banks look for is if you spend money on gambling and alcohol regularly or have shady transactions. Also stay away from buy now pay later or pay day lenders.
PayPal pay in 4 is evil. This goes on your credit rating and even if you pay it back buy due dates it's always seen in a negative light by default.
Also, with PayPal pay-in-4, if you apply and it's declined for whatever reason then this shows up as a negative mark on your credit rating, so the act of applying for pay-in-4 itself risks losing points off credit score and your guaranteed to lose points of credit score if your application for pay-in-4 is unsuccessful.
If PayPal has insights to your credit history and history is good there'll be a status message on purchases saying something like you've been pre-approved for pay-in-4, but still avoid it like the plague.
..but they are also a scam where you can buy something with it, get charged interest, and end up paying more money for it than if you just payed with cash.
It's negative money meant to devalue your actual money through interest.
Yea and that's a terrible idea.
https://www.creditcards.com/education/10-places-not-to-use-debit-card-1271/
https://www.indiatoday.in/technology/tech-tips/story/never-use-a-debit-card-for-shopping-online-and-here-is-why-1070455-2017-10-25
That still means you have to have the funds in a checking account and again for large purchases, that means you're just keeping thousands of dollars sitting in a non-interest earning checking account that is very inefficient ends up the devaluing due to inflation
It's also still trusting a third party to link directly to your checking account, which is your money and if that data is stolen from their servers the your checking account and log in information may be compromised. Credit card on the other hand offers fraud protection and doesn't use your own cash So you're more protected from financial damages
Always pay off the balance every month. Use the CC as a free temporary loan. Never charge more than you can pay off next month. Sometimes you have to. Like a big car repair. But pay it off as fast as you can.
Unless your daddy is Bill Gates. Then it don't matter.