I use it as well. I must confess that I'm somewhat trapped by the trappings of a card.
We do a lot of discussion in regard to the cost of the credit cards. Would you agree that it's really not the same thing? The cards are offering something a little bit different. Because, frankly, if I use a charge card and if I don't have the money, I have the option of paying the interest for it whereas that's not the case with the Interac.