Reply #3: WAY ahead of you there [View All]

[Warpy]

I had a credit card for about four years, chopped it up and sent it in back in 1991 when junk fees started to appear. Silly me, I thought 18 3/4% interest should be enough for any of them on balances carried over.

I'll use an ATM card, but only on businesses that pay for the "instant deposit" check system already, the one where the check is entered and approved the way a credit card is.

Other than that, I'm old fashioned and pay with a check or cash.

You can live quite nicely without plastic, although the ATM card comes in handy for online purchases. I have one only on a junk account to limit my loss if someone hacks it.

Now if we could only negotiate a discount for paying cash, we'd be in business.