this post was submitted on 24 Jul 2025
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The problem is there's no incentive to use it, as you don't get the kickback your credit card provides. I'm not sure how the CC duopoly tricked us into disallowing retailer cash/debit discounting.
The incentive is to exchange money for goods without having to carry cash around. Like yeah you get points and shit for cc transactions but if you can’t see that the customer is not the one who benefits and it is merely a tool to drive engagement then I can’t help you.
I mean, for me it literally makes all my purchases 1% cheaper for zero cost so long as I pay the full amount monthly, which I do. It'd make no financial sense to not take advantage of it.
This IMO is part of the problem, because I'm incentivized to take money away from local businesses and give it to the CC duopoly.
Yeah, some kind of legislation here would be nice. At least the credit card companies aren't as entrenched as in the states.