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If you were starting from scratch today, though, would you really re-invent credit cards? There was at some point I think a vague plan for a European debit card

If you were starting from scratch today, though, would you really re-invent credit cards? There was at some point I think a vague plan for a European debit card network (at least one of the national debit card network actually supports foreign issuers on a technical level, though I don't think in practice this was ever implemented), but really, why use the card format, beyond "well, this is already a thing"?

blitzar 4mo ago
> would you really re-invent credit cards Probably something like it. 99% of my transactions are card / tap payments. The last thing I need on my main bank statement is 100s of small transactions - bucketing these into a separate "account" is 3/4 of the point of using a credit card for me - the alternative is entirely separate "cash" like account the only difference then would be paying in advance vs paying in arrears (I do both).