How to Stop Using Credit Cards
We Stopped Using Credit Cards, and It's Not as Easy as You'd Think
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Like, really hard if not altogether impossible because so many things require you to have one. If you want to purchase any products or services online, you have to provide a credit card number. Want to go for a massage? They'll need a credit card to book that appointment. Any service that requires a "soft hold" (like a hotel reservation or car rental) is tricky without a credit card.
Because of this, my gym membership and Netflix account are charged to my credit card each month. I prefer not to use a debit card because there's higher risk, in my opinion, of someone emptying our checking account. If someone steals my credit card number, I can dispute the charges and not be responsible for those that are fraudulent. We've included the two charges in our monthly budget in order to ensure that they are always paid in full.