@Harry ********
I rarely use cash, Thailand, US, and the Philippines. Not only do I not have to deal with getting cash sent to me all the time, or use ATM's all the time, I get the best exchange rate. My question to you is, why do you still use cash? Oh, I also get a LOT of points for every purchase (which equals free money). I am also over 60, I've been using credit cards, almost exclusively, for at least 15 years. "Living on credit" what exactly does that mean? Do I carry some cash on me, of course I do.