with regard to credit cards.... it is all that i ever use. i never use cash. i never have notes and defo never loose change in my pockets.
everything is on the plastic. it is cool. i pay no monthly fees or anything and if any vendor gets cheeky, i call the Amex of mastercard and get them to battle for me. the one thing i do pay, is my entire balance every single month, before the date and so i never pay any interest.
as a loan facility which allows you to spend money which is not your's, a credit card is the single most expensive and thus worse method you can consider. sell you internal organs, before you use a credit card to get into debt.
Just coz you don't understand it
Doesn't mean it makes no sense!