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A lot of people use a credit card like a debit card with fraud protection. You can pay off the balance every month and still get a benefit. The UX of paying is so smooth. Maybe that's possible with BNPL too (learned a new acronym today) but I haven't heard of it.

If there was a thing that worked like a credit card, but without the credit part, I'd probably be using that instead.

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What you’re looking for exists: It’s called American Express.

American Express has since expanded its brand into credit cards, but the original lineup has been charge cards which work as you describe for almost 70 years.

From what I've heard in passing, debit cards used to, but then some law made it regulatory or financially (again I've only heard in passing) hard for companies to keep offering that

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