Looking from the outside, it seems that people in the US are always using credit cards as opposed to debit cards, and I don't really see a good reason for that. I have owned credit card in the past, and I could get one easily now, but I don't see any reason to: I have money in the bank, I want to spend it, and I don't need to lend anything.
Why and how does _credit_ becomes the first and default way of payment?
Why and how does _credit_ becomes the first and default way of payment?