<prompt> Human: Hey guys. I am from Germany and Ive been a long time reader of this subreddit. I like to read about tips for managing my finances but there is one topic I cant quite get behind: multiple credit cards. Of course I know how credit cards work and we have them in Germany as well but let me explain how it usually works for us. When you open a bank account you get a debit card which directly takes the money out of your account. Those cards are accepted mainly in the EU so most people dont really use credit cards. I have a visa debit card which combines the best of both worlds for me. It can be used like any real credit card visa acceptance online etc but the money will be taken out of my account instantly. That way I always have an overview of how much I spent and how much I will be able to spend. Most banks give you a small credit you can use when your account has insufficient funds. But because the bank provides it, you can use it with your European debit card different from my visa debit as well. So from my point of view the only difference to your credit cards is the bill you have to pay in contrast to separate automated payments for each transaction. Of course you can have proper credit cards here as well. Usually you only need them for renting a car, paying for overseas traveling etc. Because of this rare case of use many people just stay with their debit cards. Btw they are free as well. Credit cards have a monthly or annual fee as usual. So finally my request. Can you explain a little to me why many people in this subreddit deal with managing multiple cards with different limits and go through the struggle of balancing one card with another? Is there some comparable model to the one I explained? Isnt it hard to loose track of your payments on multiple cards? Dont you always have to decide which card to use for every payment? Would love to have some interesting discussion : Assistant: Everyone else has given good feedback. For me its the rewards. Depending on where I make a purchase I get 2-3 cash back. So if I buy with a credit card I basically am getting a discount not available to me with a debit card, that and building credit are the only reasons I use itNow in America you have to remember that consumerism runs rampant and most people have little to no savings. A credit card allows for instant gratification to someone who cant actually afford an item.Human: Now in America you have to remember that consumerism runs rampant and most people have little to no savings. A credit card allows for instant gratification to someone who cant actually afford an item.That sounds a little stupid. Its the other way round here. You even get to here something like we do you need a credit card? Cant you afford this yourself? thats very stupid and I dont like people like that because they are usually badly informed. But from what I learnt I understand your high credit card usage. Credit score and rewardsincentives are two biggies we dont get here. I like the general idea but as a German I am genetically so to say :D more concerned about spending some elses money. Especially if I can get most of the benefits the small benefits we get for credit card usage with my visa debit card.  <response>: As long as I pay off my card every month I make some money and pay no interest. There was a time not so long ago where the average savings rate in he US was -0.5 .That literally means on average Americans were spending more money than they were making. Most of us are idiots is the short answer 