I'm in a office with novax person and, later covid pandemic, she believe everything is a conspiracy. So she assert also credit card is a bad tool to manipulate and lift money and datas to people. I don't think so. In my ponit of view, credit card is extremely cushy and permit to me to travel, for example, without change by local currency. And at the end, I can use money that I haven't. obviosly, it's neccesary to be right in the head.