Just to say it, it's not that millenials are just walking around with rolls of cash. Many use debit cards or other payment mechanisms (venmo, etc.). It's more

Just to say it, it's not that millenials are just walking around with rolls of cash. Many use debit cards or other payment mechanisms (venmo, etc.). It's more the credit (unsecured lending with expected interest rate) aspect of the credit cards that they tend to shy from.