[gdulli]

Credit cards provide convenience and cash back benefits. Some might prefer to pay cash for everything for ultimate privacy, and that's fine. But credit cards are the compromise I make. I can still pay cash when I think it's appropriate for a given transaction.

Using Google or Apple Pay so I can tap my phone instead of my card gives me no extra benefit that I care about and complicates my ecosystem with another party.

[robocat]

> cash back benefits

Only in the U.S. In many other countries the processing fees are regulated by the government so the banks can't afford to give you your "cash back".

[pimeys]

Yep. In Germany credit cards are a nuisance for banks. If you want one with cash backs and easy chargeback functionality, you are free to pay 60€ a month for an American Express Platinum card that works exactly nowhere in EU.

[usrusr]

How dare Europe force card companies to distribute the cost of being poor on all customers. Cashback is effectively a special fee levied exclusively on those who don't qualify.