CP, you could have a Free Visa CC for the convenience but NOT the credit
(No Fees) - I would far prefer to pay anything via the superb little Aussie invention called Bpay, but there are places who have not caught up with this century yet. (Actually it's because they make a goddamn fortune via CC's).

For those places that require CC payment - I find out the total cost, of the item plus any sending costs, Bpay that amount to my CC account first -
Only then do I use the CC - result is, No fees whatsoever on any transactions - financial institutions make Billions, in many cases because
people don't quite realize what the possibles are.

Education dept. should dump the 'History' lessons for all bar the one in a million who intends to be a Historian, and instead introduce a lesson called
'Money' - Who the hell ever got asked in 'REAL' life what happened in 1066 -
More to the point, who cares ! - It's 2066 we want to know things about - such as, 'Will it be any easier to find winners ?"

Regards.