Good Replacements To Credit Cards

Despite what you thought about credit cards, they are not as popular as before. In fact, almost 6 out of ten thousand don’t have a credit card!

The reasons can vary, from the mistrust of banking institutions to the emergence of better technology solutions, from payments that are not in cash, but it is clear that there are many credit card options that you can use if you don’t want to. Take one Here are 3 of the most popular options available for you now:


Although technology is evolving and what new options are offered to alternative credit banks, it seems that the use of real money is one of the most popular options that still exists today.

In fact, using only money in everyday life can be one of the best strategies for reducing expenses and increasing savings. By its very nature, people have been shown to face a more difficult time than they would in other ways in providing real money. This limits you to spending only your amount, ensuring that you don’t purchase unnecessary items. That’s why a large part of the world’s population is concerned only with money in daily life.

2Debit card
At other times, debit cards may be close to saving money / restricting real money purchases. A direct debit card allows you to use only the credits you already have, unlike the credit cards that give you credit that you have to pay (which is basically a loan). With a debit card, it eliminates the risk of depositing unpaid bills, which increase in size after earning interest month after month.

This is the reason why most Millennials like to check accounts linked to debit cards. It offers flexibility where you can use it in an emergency when you need more money than you think. This seems to be the safest option because it is not necessary to save large amounts of money at all times.

3Online payment request
Technology advances quickly and effectively in the modern world. One of the biggest technological advancements of the past five years, especially when it comes to a person’s daily life, is the emergence of an online payment application. According to the concept of direct debit cards, these applications work with a single click. And since everyone has a smartphone these days, it won’t need any additional (and almost effortless) devices!

Like a debit card, this app only uses money on your behalf. Most applications only ask you to save your cell phone number, connect your bank account (so multiple accounts can be linked to one number) and voila! So you can send, receive and spend money with one finger using your mobile number, is it convenient? Each country has its own set of online payment applications, but some of the globally recognized names include Google Pay and PayPal.