the "don't have credit cards" is simplistic. we have a government that listened a little to the people and didn't allowed for banks to own all money like in th

the "don't have credit cards" is simplistic. we have a government that listened a little to the people and didn't allowed for banks to own all money like in the US. in the US you're forced to pay credit card fees (usually on the vendor side, so it's included in the price for everyone, even non cc users, as to not tarnish the reputation of the cc operator charging the fee). there's no way to buy online in the us without paying that. in Brazil and other civilized counties you can use a payment number, which is like a temporary deposit account number that identify the person providing the funds. and it can't cost extra.