Yeah, exactly. I take out $400 at a time on an ATM and then use it at farmers markets and stores over the next few weeks. I only use my credit card for refillin

Yeah, exactly. I take out $400 at a time on an ATM and then use it at farmers markets and stores over the next few weeks. I only use my credit card for refilling my transit pass, online ordering, and medical bill pay. No one needs to have a full record of every purchase I make in real time.