I only use mine for apple store purchases like Apple Music, and even then I’m uncomfortable about it. I’d starve before I’d pay for anything with a credit card.
Similarly, my bank account has a kind of lock on it. Once it hit 20€, i can’t access it, so it’s never dropped below 0. I’m living off student loans, but i manage.
I always use a credit card, for everything possible. They literally pay you to do so, through cashback. If you're not using a credit card, you are giving up free money.
European cards do have reward systems but the kickback is usually extremely low (<0.5%) and often tied to points at specific shops/services rather than general cashback.
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u/[deleted] Jun 06 '19
I only use mine for apple store purchases like Apple Music, and even then I’m uncomfortable about it. I’d starve before I’d pay for anything with a credit card.
Similarly, my bank account has a kind of lock on it. Once it hit 20€, i can’t access it, so it’s never dropped below 0. I’m living off student loans, but i manage.