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I used to use my credit card almost every day in America, but now that I'm in Japan I don't even have any credit cards. A lot of places don't accept them, so I just use cash everywhere. The one card I have is a bank card that I use to withdraw money from ATMs, mainly at 7-Eleven. I don't really like having to buy gift cards to use on Amazon, but it's just a minor annoyance.

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A nice thing that we have here in Portugal are "virtual credit cards", offered by the banks, which act like a credit card for the merchant but as a debit transaction for the user.

So the bank gets to charge the store a transaction fee and you don't get the benefit of the bank floating the charge for 30 days? That sounds like a good deal for the bank!

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