credit cards, for me, are the worst part of fiat.

Yes they can be helpful for some people; but the rewards based system for going into debt incentivizes people towards insolvency and living outside of their means, and then charges extortionate interest rates which are often not clear-cut to understand for the average user.

I do not own one; and don’t plan to - even if this is to my detriment, I think It’s always worthwhile placing my ethics and moral framework first.