Credit cards don't have PINs, though debit cards do. Credit cards are superior because they don't deduct the money immediately, giving you a chance to contest any charges before you actually pay for them. Assuming you stay vigilant and glance over your monthly statement, fraud isn't a thing to really worry about. And it's trivially easy to be issued a new card + card number + CVV2 in the even that a card is stolen. It feels far safer to me than carrying around physically precarious pieces of metal and paper that make me a target for crime.Egerius wrote: (Just kidding, I have a credit card myself, but I don't like using it, having hardly ever done so.
I forget the PIN quite easily, ATMs may be manipulated... And on-line banking has its own risks.
The only reason to ever use an ATM is to get physical money; it's also something I don't think I've done this year.
I'm not sure what risks online banking would have above and beyond...actually, I have no idea what the alternative is. Always walking into a bank branch (assuming you can find one and can expend the time to go to it) and talking with a person? That just sounds horrific, and I have no idea how that'd work with a laptop. I'd much rather glance over my recent transactions in the comfort and privacy of my home, and have all the time I need to understand them and transfer the relevant numbers to my budget spreadsheet to make sure things still look good (or more properly, compare against my budget spreadsheet to make sure the household is relatively on-target). I can't imagine trying to actually manage a household budget any other way.