Subject: Re: 10% credit card rates
Before there was an "online", I didn't have a credit card. Well, 1poormom put me on hers so that I would have one for emergencies. As I recall, it doubled as a calling card (remember those?). I would have some cash in my pocket. But if what I wanted exceeded that level, I would go to the S&L (remember those?!), withdraw what I needed, and go buy what I wanted. It was a really good way to not buy things, also, as I couldn't really impulse buy.

Oh, me too. I'm an old enough phart to have lived through those days.

But these days? I almost never pay cash, almost never write a check. I make virtually every purchase through a credit card, and would never use a debit card for an online purchase. As a method of payment, it has no equal for ease and convenience - both IRL and doubly so online.