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2 points

The more modern version of this is to use Apple or Google pay or whatever the fuck those are called.

note: I do not use those services

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2 points

Right. Be it plastic or digital, itโ€™s still credit. It still goes through a point of sale system. Visa or Mastercard still get a kickback.

I was in London last month and everything was Apple Pay / Google pay. You can of course use a card to tap but I rarely saw anyone use anything but their phone.

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