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I work for an American credit card company, and my advice is to ditch credit and debit cards entirely. Use cash.
As another American who works in the industry, it's a wedding cake of frighteningly bad software piled on top of well-intentioned but poorly implemented mandates piled on top of willful ignorance frosted with solving problems people don't actually have. And the little couple on top are both the capitalist pigman from a 1930s Soviet poster that we all recognize thanks to Hexbear :`(
I prefer cash too.
YES, I ain't even Canadian but been saying this since day, those 2 companies are such a huge factor in how much leverage this 2 party dictatorship has over majority of the world, that and Microsoft, Apple, Google etc. This is why Cash is King, and using American payment processors just feeds their power and leverage over global finance.
You can see how its affected Russia when US payment processors halted operations as part of sanctions. The only viable alternative is using Monero for online transactions and physical cash.
Monero is the only realistic and promising way of paying people online without relying on the two largest payment processors on the planet, fully under the control of the US. The ONLY crypto that's actually treated and used as a currency, rather than a stock like btc, and actually has any real world use and offers privacy.
I have a cash back VISA card. The week after Jan 20, I pulled my card info off every online service I use, stopped using the card entirely, and a few days ago canceled it completely. It was a tough choice. I generally earned about $600 a year cash back, but it's time to free ourselves of America and forge our own path. I don't really see the Can/American relationship ever being repaired at this point. Time to move on.
Cashback/rewards schemes on cards ought to be illegal anyway. The money ultimately comes from higher prices.
Cards like Amex are just not accepted in most small businesses in Australia already (but this is by choice, not law)
There's no free lunch
this post was submitted on 15 Mar 2025
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