[narag]

In fact it is so cumbersome, that I prefer to pay for many services by credit card every month)

Phone and the gym are the only services that I do not pay by card, but not even by my choosing. Netflix gave me no option. Utilities are bulk included with the rent (transfer) so yeah, just those two.

Oh and I know the card number and codes by heart in case I need to buy anything. Verification is done by SMS.