1. Yes, but it's easier to just not have one. 3. For every day use, there is your bank card which comes for free with your bank account. (A growing number of p

1. Yes, but it's easier to just not have one. 3. For every day use, there is your bank card which comes for free with your bank account. (A growing number of people don't use cash daily, and there are even people who have ditched cash altogether and gone card-only.) 4. I have not run into any free CCs offered in my country (Netherlands). If you have, please point me to them. As for fraud, it's not only about the risk, but also about the hassle. I have heard of people who had their credit card suddenly cancelled because of fraudulent transactions, and the banks will only send a replacement to your home address, even when you are travelling! The risk that this happens with a bank card is much lower, as entering your PIN proves that you authorize the transaction.