Pix is similar to cash and completely replaces debit cards. Credit cards are a completely different story. They allow floating one's expenses and paying it off

Pix is similar to cash and completely replaces debit cards. Credit cards are a completely different story. They allow floating one's expenses and paying it off all at once on a monthly basis. They allow paying in installments which is normal in Brazil. They transfer at least some responsibility for fraud to the credit card companies. They give assorted benefits and cashback. Since they are credit lines, they also enable leveraging: people can buy things they want or need now and pay it off in the future bit by bit while investing the money that they would have spent. The debt is partially inflated away while the invested money generates some returns. A credit form of Pix is allegedly coming but has not materialized yet.