I have stopped using credit cards online for over a year, prefer online banking based payments, because it is one username and 2 passwords(authentication, transaction)
I dont like 2 factor authentication, especially with mobile/sms, when I am abroad or travelling, I still can do my transaction
Online banking based payments work just fine for local Indian sites, but I haven't found a way to pay US based businesses without a credit card. The only use I've had for using a credit card has been to pay for AWS and Linode.
I dont like 2 factor authentication, especially with mobile/sms, when I am abroad or travelling, I still can do my transaction