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One more barrier to adoption of credit card usage, especially in emerging countries, is the notion that it leads to overspending. While many people - including me! - will agree with this notion based on their personal experience, it's also a fact that, thanks
to services like Offermatic, people can actually save money by using credit cards. Boosting credit card usage probably needs a two-pronged approach from banks and card networks in which they not only provide incentives but also buttress any apprehensions about
Whilst I don't always have cash on me, I am more and more avoiding Credit cards because of the charges that merchants and now adding to the bills. Its just the principle of the thing. Its like 'credit' payment isn't seen as real enough anymore.
John: You might want to watch out for "dormant charges", which some banks have started charging cardholders, especially of prepaid cards, for prolonged NON-usage of their cards!