this post was submitted on 23 Aug 2026
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DeGoogle Yourself

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Is there a Google Wallet replacement? (lemmy.zip)
submitted 4 days ago by makou@lemmy.zip to c/degoogle@lemmy.ml
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Hey, I am kinda new to degoogling and I was wondering if there is an alternative to Google wallet with NFC payment. I dont want to use samsungs or apples too. Thanks

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[โ€“] whoisearth@lemmy.ca 2 points 3 days ago (1 children)

Never use cash/debit.

  1. If a machine is compromised and your data gets stolen you will never see your money back. Banks/cops do not give a shit. CC company on the other hand? They jump at the opportunity to reverse payments

  2. How do you expect to build credit?

  3. Many things you simply cannot do without a CC. Book a hotel. Rent a car.

[โ€“] unitedwithme@lemmy.today 3 points 3 days ago

I didn't say I don't have any CCs. I've gotten rid of a lot of cards, sure. I don't need to "build credit" if I'm not using credit. We're all taught to chase this magical number for benefits, but who does it actually benefit? I could care less if I'm 750 or 450, I'm not playing into their system anymore.

It's taken work, but I've changed spending habits to be more reliant on what I have now and cash save vs "buy now pay later" mentality. What good is a sale if you pay interest on your cards? Sure, pay off right away is great but not everyone can afford to do that, and it can build bad habits. I get there are perks, but I commented elsewhere now businesses charge 3%fees for CC usage, so it's a wash.

I can book a hotel just fine or rent a car with a debit card, too. Sometimes they might put a hold, and if it's an absurd amount, I just use a CC in that instance. But you don't need a high limit or good credit or anything for reservations.