Today, I started carrying cash, and switched back to using the NFC chips in my credit cards.
My iPhone 13 mini will probably be my last iOS device. Tap to pay was hard to setup in grapheneos the last time I checked.
I guess I won’t miss it after all.
This is a really big benefit for me to mobile/watch payments. I don't have to type my pin code on a device I may not trust. I use my biometrics so people don't get a chance to shoulder-surf my pin code. Also, I get a instant notification of how much I actually paid. I don't get that when using the card.
Seeing today's Ledger supply chain attack the concept of compromised payment terminals is a lot less academical now.
Racking up credit is frowned upon here, it hurts your credit rating, unlike the US where it is required to build a credit rating. The best credit rating here you get if you don't have any credit at all.
Also, things like payment protection and cashback schemes aren't really a thing here or are much weaker than in the US so there isn't any reason.
This is completely false. I know many people who have had no credit in their lives. When it comes to finally needing some to say buy a house, they have to start credit building hard. Having zero credit definitely hurts your credit rating in the EU.