Obviously cash is the more private option, but I have had trouble getting away from the convenience of using cards. Is there a way to use debit or credit cards and preserve privacy?

I know I shouldn’t for privacy reasons, but I use credit for almost everything.

  • Easier, I don’t like dealing with change or carrying around loads of cash. I can also just pay with my phone.
  • Cheaper. The credit card scam is that you get 2% off your purchases (in North America). Or even more for certain verticals.
  • Needed for online anyways.

Of course the scam is that prices go up 3-6% to account for credit card fees, then the credit card companies give you some of it back. Of course if you don’t participate you are just paying higher prices for nothing.

In europe there is a max comission of 2-3% :p

Yup, a much more reasonable system and largely prevents the scam. That is why I didn’t use a credit card when I lived in Europe. IBAN transfers also make it feasible for online without credit/debit. However debit (or credit) is still significantly more convenient for day-to-day transactions in my opinion.

Yes, sadly thats true. I am actually looking into an smart payment ring hehe.

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