One key thing for millennials and swiping cards is because with most cards out now you can get points or miles or cash back. Most kids see it as if I swipe X dollars I pay the same amount of money with a no interest card as handing over cash but I also get something else in return rather than a piece of paper with a total on it.
I've paid for a few flights using my card. So if I know I have a trip coming up I'm a cash all year guy but I'll swipe the card hard to get a discount. Why not?
Sadly overusing a card is also how some people get burned.
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