<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>Tijdreiziger</author><text>1. It doesn&amp;#x27;t make any sense to allow yourself to risk spending more than you have&lt;p&gt;2. They&amp;#x27;re more prone to abuse: if somebody gets hold of the numbers on your card (whether by a leak or hack or by old-fashioned pickpocketing), no further PIN, password or 2FA token is required&lt;p&gt;3. The only use for them is online spending outside Europe, and even then the number of websites that require them is rapidly shrinking (PayPal can work with bank accounts, and Stripe now supports SEPA direct debit and local payment methods such as SOFORT (Germany), iDEAL (Netherlands) and Bancontact (Belgium))&lt;p&gt;4. They cost money (see point 3, people don&amp;#x27;t like paying for things they don&amp;#x27;t use)</text><parent_chain><item><author>tehlike</author><text>I am always curious about why people don&amp;#x27;t use credit cards more. Would you please explain your reason?</text></item><item><author>shubhamjain</author><text>&amp;gt; With the opening of this Mumbai region, Indian customers are now able to buy these services directly in Indian rupees.&lt;p&gt;Somewhat related: I was forced to switch to GCP for hosting my static website because of lack of payment options. AWS doesn&amp;#x27;t allow you to prepay. The only way to settle your dues is using a credit card. My international debit card usually works everywhere but it didn&amp;#x27;t in case of AWS. I never felt the need to get a credit card. I had to waste many hours in moving to GCP because there wasn&amp;#x27;t a way I could use to pay.&lt;p&gt;It&amp;#x27;s funny how I have failed often to buy something online because payment options are not international friendly. Latest in this case was New Yorker subscription. Every address combination I tried said the same thing: &amp;quot;Address is invalid&amp;quot;, even though I had ticked the option for International subscription. Support was hopeless and in the end, I had to go without it. It&amp;#x27;s like I am saying, &amp;quot;Shut up and take my money&amp;quot; and people at the other end are tone-deaf to it.</text></item></parent_chain></comment><story><title>GCP arrives in India with launch of Mumbai region</title><url>https://cloudplatform.googleblog.com/2017/10/GCP-arrives-in-India-with-launch-of-Mumbai-region.html</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>raverbashing</author><text>Credit cards are much less used outside of the US (one of the reasons is that the US banking system is Jurassic, but only one of the reasons)&lt;p&gt;Other reasons is limiting credit exposure&amp;#x2F;can&amp;#x27;t get credit for it&lt;p&gt;Debit cards work online in some places or you have a different way of paying</text><parent_chain><item><author>tehlike</author><text>I am always curious about why people don&amp;#x27;t use credit cards more. Would you please explain your reason?</text></item><item><author>shubhamjain</author><text>&amp;gt; With the opening of this Mumbai region, Indian customers are now able to buy these services directly in Indian rupees.&lt;p&gt;Somewhat related: I was forced to switch to GCP for hosting my static website because of lack of payment options. AWS doesn&amp;#x27;t allow you to prepay. The only way to settle your dues is using a credit card. My international debit card usually works everywhere but it didn&amp;#x27;t in case of AWS. I never felt the need to get a credit card. I had to waste many hours in moving to GCP because there wasn&amp;#x27;t a way I could use to pay.&lt;p&gt;It&amp;#x27;s funny how I have failed often to buy something online because payment options are not international friendly. Latest in this case was New Yorker subscription. Every address combination I tried said the same thing: &amp;quot;Address is invalid&amp;quot;, even though I had ticked the option for International subscription. Support was hopeless and in the end, I had to go without it. It&amp;#x27;s like I am saying, &amp;quot;Shut up and take my money&amp;quot; and people at the other end are tone-deaf to it.</text></item></parent_chain></comment><story><title>GCP arrives in India with launch of Mumbai region</title><url>https://cloudplatform.googleblog.com/2017/10/GCP-arrives-in-India-with-launch-of-Mumbai-region.html</url></story>