It's ridiculous how many EU companies require a credit card to make payments across EU countries.
I have the money already, I can send it NOW from my bank to yours. I don't need to ask for a credit.
These companies expect me to pay an annual fee to obtain a credit card from which I pay them. I then have to deal with the mental overhead of tracking credits that I've taken for these payments.
As a bonus, we pay a small fee to an American company that's behind the whole scheme.
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