>Because as a consumer, I've never had a complaint about my CC, ever. With the NFC chips built into all new CCs (at least here in Canada) I tap my card and leave.

I don't want to tap my card and leave. I wish I could turn off that "feature."

A way credit cards are bad for consumers?

Science proves that you tend to spend less money when you pay with cash, especially on unplanned and/or impulse purchases. I guess the psychology of actually handing something over then having less of it afterwards makes people think twice about if they really need to spend the money. Also getting extra cash when you over budget has an extra step (trip to bank/ATM) so you're probably more likely to stay in budget or to rethink if you really need that over budget purchase.

http://www.livescience.com/2849-study-credit-cards-spending....

http://www.investopedia.com/articles/pf/08/pay-in-cash.asp

http://seekingalpha.com/article/20333-guide-to-credit-cards-...

http://business.time.com/2013/08/08/turns-out-you-only-think...

I especially think this is interesting:

>McDonald's found that the average transaction rose from $4.50 to $7 when customers used plastic instead of cash