[zaarn]

You basically count up reasons why I don't use credit cards.

Cashback almost always is connected with some form of datamining. The 500$ bonus is usually paid back in form of hidden fees somewhere. No money is free.

I don't want to spend money I don't have, ever. And regarding if my card gets stolen, European EC cards are very safe. They aren't CCs where you can just start grabbing cash, you need the pin too and the banks are very aggressive on putting temporary blocks on any transactions (as part of EC, any totally blocked transactions are billed instead and fully transparent for you).

Going to the ATM is easy and it means I have a very good feeling of my weekly and monthly spendings just by looking at how often and how much I use the ATM.