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Strictly speaking, if you have control, yes. Fraud protection, cash back, etc. are all really useful.

But, if you can't control spending, just use debit. In fact, the only place I wouldn't use a debit card if I could avoid it is a gas pump (magstripe fraud)

I have not found a credit card UI that helps control spending and budgeting the way that Simple (checking) does. I haven't tried integrating with Mint or others, but the realtime tangible money-moving aspect helps me realize the money and swipes I'm spending are real.



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