I know this might just reflect financial culture differences across countries, but let’s give it a try

Edit: as a clarification, I meant credit card compared to debit, not to cash

  • [united states] i use a credit card for anything that i can. the perks are nice (as others have mentioned), and i never spend more than i have. i’ve never paid a penny in interest. i always pay the statement balance on the day it’s due.