I agree with all you said.
but:
I should have say first that I have NOT a credit card, for some reasons you give and also for one absolute: credit card make the seller give a commision to the Credit card company, and that credit card company make you pay for your credit card. In fact, all you pay with CC is some saving money for the banks, as it's all computerized.
Those CC should be free, or, should be paid by the bank, because it spare them a lot of working hours.
So, I pay by check, cash, moneytransfer (expensive) or wire transfer .
except with cash, I always know who get the money, on which account and it's not so expensive: the best is that I can't get 2 or 3 % discount from the merchant, because i'm not using a CC and he will not have to give these 2 or 3 % to the credit card company 😉
When you pay with a CC, your money is checked, with the disposible amount.
it's a direct link. A burglar can stole your 278.817 $ and no one more. 😉
or my 128$ ;-))))
with check, the only thing wich is checked is "can you make a check".
with wire transfer : is the money wanted, available ?
I don't want to hide or anything, I just don't agree when people want to make me pay for something who will made them earn money, because i believe that they should give it to me for free.
Sorry, JoeyR, I know that in some countries, not having a CB (CC) is quite being anormal.
I live very well without a credit card... there are a lot of possibility for a merchant to know if my check will be rejected or not.
I had a company, we didn't accepted CC, except if the consummer pay the 3 % that a card payment cost us.
I don't like financial Vampires.
You forgot a lot in your exemples: wire transfers, automatic transfers (for bills as electricity, water, etc.. but for sure we didn't live in the same country. Here, I don't need to have a cb to pay (for now, but it will come, unfortunately)
It is as my exemple with the cookies: can you imagine a world without a credit card ???? and, yes, that world exist, and, yes, credit card are not necessary for the financial system .
they are just an ADD-on, a cookie...
they made us pay for it, to spare their money.
thanks for your answer, it's a good discussion, and not so much out of topic, as it is all about our privacy and the way some company are or are not concerned with this privacy.
p-s: anywhere you go to buy, ask for 3 % rebate if you pay cash or to pay the price with a credit card... let me know how it work... and what choose the merchant