There's more ways to pay than I think necessary.
Paypal is popular, and you can do nearly anything with online banking.
Websites that don't accept credit cards usually attract a lot of bitching and complaining.
I regularly see people in grocery stores paying with plastic for a meaningless purchase and asking for a cash back option so that not only did they get the groceries, but the cashier hands the customer money instead
And the plastic debt load in North America means a lot of companies make a lot of money off of stupid as sin people spending money that never existed expecting to pay it off with an income not suited for that task.
I consider having 100 bucks balance on my credit card too much. Most people though seem to have little trouble with several cards holding large percentages of maximum balance available. It's crazy.
If you can't save the same amount of money in a month or two and just pay for it in cash, then the truth is, you never had the ability to buy the item in the first place.
I only needed my credit card originally for identification. I don't drive, never have and have no license.
I only use my credit card to buy online. I use cash if I am buying something in person.
Getting an item "on sale" accomplishes nothing, if thanks to interest payments, you end up spending more than full price eh.
I've never used a debit card. Likely would be better than a credit card for me though.
I avoid atms, as they create a fee that I'd rather avoid. My one card charges 7 bucks per atm usage. You don't get the great interest rates for free.
I used to buy through postal money orders when I had to pay for things like book club purchases. But those things are also expensive too. Still it is good to have a tracable proof you paid.
A great deal of vendors shops and services can handle credit cards, but you need to have cash for places like conventions. Venders can't be expected to be able to process credit card transactions in those conditions. I know I wouldn't.
I've yet to ever use a credit card, and not need to go through a rigid verification process. And yet you still hear horror stories about screw ups and personal information being lost.
I'm loathe to use a credit card in transactions in face to face retail. Most people likely think credit card fraud happens mainly online. They'd be wrong.
The credit card operations in Canada at least will accept damn near anyone it seems. It's an odd month when I don't get offers mailed to me.