Yeah, I don't use a credit card, never have and never will. AfterPay offers me everything I want from a credit card, and forces me to have nothing I don't want; why would I use a credit card now I have this option? I never wanted a credit card before, certainly don't want one now.
Even the yearly fee to have a credit card is something I don't want. Why do I want to pay a fee to have free money for personal use? I can't get a return that is better than that fee for something like a TV...
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