I know this might just reflect financial culture differences across countries, but let’s give it a try

Edit: as a clarification, I meant credit card compared to debit, not to cash

  • d3Xt3r@lemmy.nz
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    1 year ago

    NZ here, I use it for online purchases. Credit cards have the advantage of extra fraud protection, as well as having a safety net of being able to do a chargeback in case the seller does fraud or something. I don’t need to pay any interest on it either because I make use of the interest free days. I have a direct debit set up so the bill gets cleared on its own every month, so I don’t forget and accidentally pay interest or something.