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> would you really re-invent credit cards

Probably something like it. 99% of my transactions are card / tap payments. The last thing I need on my main bank statement is 100s of small transactions - bucketing these into a separate "account" is 3/4 of the point of using a credit card for me - the alternative is entirely separate "cash" like account the only difference then would be paying in advance vs paying in arrears (I do both).



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