Why fight it? A credit card costs you nothing to use when you pay it off each month. I get 2% back in cash which amounts to hundreds of dollars a year when I use my Citi credit card and a good credit rating lets you buy anything on time and even gets you lower insurance rates. A card is safer to carry than a bunch of cash. What’s not to like? A debit card takes the money right out of your checking account, so the vendor is paid right away and you don’t end up with a pocket full of change. I’d sure think where you live there up north, you of all people would really like using cards and on-line banking.
Much to learn, have you.
