I only use my credit card as a payment method. Most online shops don't accept anything but credit card, and sometimes I just don't have enough cash with me and don't want to bother walking to the closest ATM.

Credit cards allow you to loan money but I think that's ridiculous. I don't want to have a debt every time I buy something, I just want to pay immediately, with the money I already have, not with money that I don't have.