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If you want your bank and the card companies to know in detail how you lead your life, i.e. what you spend your money for, then use your cards as often as you can.

If not, then pay with money as often as you can.


I think to be fair it must be said that Germany is decades behind others in paperless payments. You might be able to use your credit/debit card at the Supermarkt or fancy tourist restaurant, but in general the Germans eschew the usage of card payments in shops. It's dreadfully annoying. They might have chip and pin, but still have to regularization take out hundreds of Euros to get through daily existence.

Back home in Canada you can pay with your debit card at the small family restaurant in a town of 300 in the middle of the prairies.

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