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The concept of credit card sound stupid . Here barely any use them . We use debit card .
Insurance and fraud protection.
That's what we have with debit cards.
Maybe in your bank. Most banks don't offer any protection for debit cards. Credit card companies offer more protections and that's why people use them.
Many do offer protection but during the period between fraud occurring and the resolution, you don't have access to your money. With credit cards, it's the banks money that's missing.
There are a couple benefits to a credit card as long as you are paying them off and not using them when you don't actually have the money to pay them off.
-There usually aren't any fees for using the card like most debit cards have (at least where I live).
So as long as you pay them off monthly, using a CC instead of debit can actually save you money and be a good thing. It's when you can't pay them off, and instead just meet the minimum payments that they become a problem since they have crazy interest rates.
It's often the other way around in yurop. Debit cards are free or cheap, credit cards aren't. Credit card scores aren't a thing. They mainly look at job status, income, savings, family money when considering giving a loan for house purchase. There are credit scores and blacklists, but it's more a background bank and government thing, not a game in your banking app.