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I have a credit card but I don't use it that often . Prefer fiat honestly , it's very easy to overspend it you keep swiping and eventually losing track on your expenditure

Totally agree. I lost my job recently and have found out the problems that occur when you get behind on payments to the credit card companies. They are pretty evil in their collection techniques. I am going all cash in the future. You can still earn 1% cash back on a paypal business debit card while still using fiat in the bank. Thats the best card I have found with no risk of interest being charged.