Added benefit is that it helps keep YOUR money local and boosts YOUR local economy and betters YOUR life, not JP Morgans life, Amazons life or Chinese lives. Debt is slavery! Dont be slaves to China. The pandemic, online shopping and credit cards and Amazon drained the US. We're talking absolutely massive wealth redistribution, to the point literally DOUBLED the number of multi-millionaires in China. Thanks credit card companies for raping our retirement accounts for whole generations of Americans