[GoodbyeMrChips]

In the UK, credit cards are free (some specialist cards aside), including an automatic direct debit so you never forget to pay it off, so you never get charged interest.

Never paid a penny in fees or interest in over 15 years.... and an annual statement of fees (issued by law) informs me of this fact each year.

[smaryjerry]

Same in the US. Credit cards are so convenient and free and come with rewards. Of course most people don’t realize until they are older that all that ‘money back rewards’ was essentially paid by themselves originally, by the vendor paying the credit card company a fee on every transaction. The issue is that credit card companies build in requirements to be endorsed that they don’t charge different prices for cash only transactions often.