This is hands down one of the best instant payment platforms at the moment. Only India's UPI can match it in features, and China and Thailand in adoption. Most Western countries have had a (somewhat timid) taste of instant payments, but most don't know what it means to just drop credit and debit cards and cash altogether for a system that is not just universally adopted (from apps to flea markets to online payments and subscriptions), but preferred by merchants and consumers alike.
Obviously credit cards give you credit, if that's what you want/need, maybe a postponement until your monthly statement is closed, or chargebacks and maybe insurance, but CCs should be an exception, not the norm they are now, with a bunch of embedded costs we all pay for, one way or another.
Obviously credit cards give you credit, if that's what you want/need, maybe a postponement until your monthly statement is closed, or chargebacks and maybe insurance, but CCs should be an exception, not the norm they are now, with a bunch of embedded costs we all pay for, one way or another.