There was a credit card attached to my bank account. If I buy something, the money disappears from my bank account on a fixed day of the month. I have no idea about how to influence that payment, and it seems not available in the web UI. I have no idea how not to pay that money, or how to dispute charges with it. Presumably I can visit the bank. But it has no chip and pin, so if anyone has the number and means ill, my money disappears. So it basically behaves like a very insecure debet card with a delay, i.e. I have to manually validate the payments corresponds to what I've done every month. It mostly seems a hassle to me. As I have no credit score that I know of, I also have no idea about how the bank wants to punish me if I don't pay them. I got it in the past to buy stuff from US websites, but payment processors accept my other means of payment by now. In fact, it expired over a year ago and I never saw a need to renew it.
+ it is generally possible to set up autopay for credit cards in the US, but it is not the default and I have never seen it not be very obvious on how to turn off. There's regulations about this in the US.
+ US debit cards and credit cards virtually all have chip and pin, but you can use only the number as a fallback for things like over-the-phone or Internet transactions, so it doesn't do much good. Terminals do usually require the chip, which presumably hinders skimming. AFAIK the old stamp machines are even still supported, though I haven't seen one in a while.
+ disputing charges on US cards generally consists of 1. login to the website 2. select the charge / hit the hamburger menu next to the charge 3. click dispute transaction.
