this post was submitted on 29 Dec 2025
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Problem with debit is that most banks limit/charge for transactions.
I keep my bank transactions to a bare minimum. They charge me to hold my money so they can invest it and make themselves interest, and they charge me to remove my money. Only rich people get those fees waived. And I am way less likely to go below my balance an incur other surprise fees. Credit card is the only way. Or cash, but that requires making large withdrawals once or twice a month and carrying it around.
Must be noted that credit card purchases not actually free, just the cost is borne by the merchant and returned in an averaged-out, invisible way.