I never use cash because there are no perks to it. We haven't had to pay for a plane ticket or hotel in many years now simply because of all the air miles/hotel points we accumulate by using credit cards for all purchases. Most recently we had an emergency flight we had to take to Canada that would have cost us $4200, but we got it the tickets free because we used air miles. It's really a no brainer that has saved us a *ton* of cash over the years. Yup you will get fraud but it's simple to deal with, one call and you get a new card, done. The only tedious part is setting up all the auto payments to the new card. My wallet literally never has cash in it, haven't had any in there in ages. I'll leave a few bucks in the car for valet but that's about it. Generally speaking, I never use or carry cash.

Regarding how others get your card into, I suspect information breaches are more common, widespread and severe than the companies let us in on. Then that info gets sold, and we get fraud. I had my sole credit card replaced 3 times in the past years time because of it. Fortunately it's simple to deal with so it's not an issue for me.

Yes, this exactly! I never understand why anyone would use a debit card.

You can assign limits to a cc, just set a limit you can handle.

"Reward" is probably the wrong word to use because you've likely lost quite a bit of money by not using cc's, they pay out extremely well. Likewise identity theft is a different matter, I've never been a victim of that either. But credit card fraud is cake to deal with, one call and you get a new card the next day. To each their own I suppose, but I just can't understand why people leave so much money uncollected. It's literally free money so long as you pay your card in full each month. Meanwhile we'll continue to enjoy free flights and free hotels.

Ok I'm guessing you don't get it, so I'll explain with a real world example step by step:

1) I pay my credit card in full each month, hence the cc costs me $0. It's free.

2) We had to get two next day plane tickets to Canada last December due to a medical emergency, those plane tickets being next day had a price tag of $4200.

3) If I never used a credit card I would be out $4200 today. Instead I used air miles that I got from my credit card, hence I did not spend $4200.

If I didn't have my cc and instead used cash or debit card, I would be out $4200 right now. Because I used my $0 cc, I took that $4200 and used it instead to buy AC/DC Luci. Result? Credit card was 100% pure profit.

That is but one example. I could go on and list more yearly savings and profit, like how we stay at the Cosmopolitain hotel in Vegas free every year from using hotel points from my $0 free cc, but I think you get the point. Side bonus, this free cc money is tax free!

Does that make it more clear? Or does piles of free money each year still seem stupid to you? I don't want to sound curt and abrupt, but it's really win-win assuming you pay your cc in full each month. It's quite literally piles of tax free money and all you have to do is pay your card each month.

Lol, I get that's he's a joker from his $212,00 to spend and other threads/posts, and that's cool. But he called my comment the stupidest things he's heard, which is kinda insane given how much money you can save by having a cc, and doubly insane coming from a forum like Pinside where people half the time are bitching about costs while I get a brand new Stern pin paid for me by cc rewards.

I loathe flying as well but when it means getting to a funeral, I'll suck it up and fly. Difference is now I do it for free. But there's other perks as well. You like buffet? I love food and especially Casino buffets. But damn the lines are so long who wants to wait? Good thing all I have to do is flash my cc at the Wicked Spoon buffet at one of the hotels in Vegas and I completely bypass the line. Oh and I also get a discount at that buffet from that cc, another perk. Or if I want a new tv or some other electronic gizmo I can use the points to buy it. Etc, etc...

But if you really are a privacy first dude then hey it's your call, to each their own. I'll keep cashing in, after all I want my cc to next pay for a BBB remake.