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(I live in the USA.)

I have two credit cards (and one debit card, but I only use it as an ATM card to get cash, since you're still out the money until a problem is resolved). I mostly only use credit cards for online purchasing and gasoline -- because to pay cash there is inconvenient. And yet, I see to experience some kind of credit card fraud about once every couple years -- this is primarily why I have two credit cards, there's always a backup.

And besides that inconvenience -- changing all kinds of saved payment info when a card is replaced, given the extent to which (at least in this country) banks are free to share incredible amounts of information, you don't have to have "something to hide" to be interested in not sharing your entire purchasing history with these entities.




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