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this post was submitted on 15 Oct 2024
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Asklemmy
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Have you had any experience with that? I keep hearing it, but usage of a credit card is expensive af
Only time I've had fraudulent charges was when I was 18 or so and hadn't yet got my first line of credit. They disputed the charges normally and froze the account. It did suck not having much money but I also was living at home still so I just avoided spending money for a few days until it all finished processing
It's only expensive if you don't pay it in full every month. I've had my credit card for years and have paid $0.00 total for it whilst it generates at least 1% cash back or more depending on where used. Not much, but it adds up and makes it beneficial.
I have. My bank did a chargeback like they would if it was a credit card. I was told it would've been a lot harder to get my money back if my PIN was used. But, I've only seen that option available for in-person purchaees.