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These visceral factors entice them to include such vice products in their shopping baskets, even though they consider such products to be unhealthy.Pain of payment can curb the impulsive responses, and thus reduce the purchase of such vice products.Since paying in cash feels more painful than paying by credit or debit cards, paying in cash can reduce the purchase of unhealthy food items.” These studies were done before contactless payments using smartphones like Apple Pay became popular.Today, it is easy to imagine that because these methods make spending money even more painless, they are encouraging shoppers to buy impulsively, over-spend, and purchase unhealthy products even more.Paying for any purchase produces an immediate pain of paying, which the shopper then balances against the future benefits from consuming it.But this pain is not the same for cash as it is for credit cards.Other people can use a credit card without any of the ill effects outlined in the article. I put all purchases on my credit card (with the exception of eating in a small diner), to include payment to cable TV and cell service, and then immediately pay it off when it clears the pending category or well before the monthly due date.

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As just one example, a large study spanning 60 countries found that consumers made a total of 417 billion cashless payments in 2014, up from 311 billion transactions just four years earlier (or a third more, in percentage terms).

When the bill is actually paid (say, once every month), the shopper is not able to attribute the payment to any one particular purchase.

Because of these two reasons, people overspend when using credit cards.

When compared to paying by cash, people tend to overspend, they buy things impulsively, their shopping baskets tend to fill with unhealthy food, and they are less committed to products they have purchased. About Me Is for people who possess strong financial discipline.

If one lacks financial discipline, cannot master a basic budget, or in other ways cannot responsibly handle it, then yes, credit cards might not be a good choice.

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