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Re:UPI Payments: 10B Transactions a Month Done, Next Stop 100B by blackoil on Sunday September 03, 2023 @07:09AM (#37369423)
> what debt?

You are taking debt whenever you use credit card. If you miss/forget payment, some tech fault or sometimes just because you can be charged hefty interest or charges.

You can keep a separate account for your daily transactions.

Re:UPI Payments: 10B Transactions a Month Done, Next Stop 100B by kmlx on Sunday September 03, 2023 @07:37AM (#37369567)
sorry for the confusion. i use the term “credit card” generically for debit and credit cards.

most people i know have debit cards.