you use cc. I did a very unscientific search and found this. I did not ask if benefits outweigh the spending.
Yes, using a credit card can increase spending habits even if you pay it off monthly. This is because credit cards can make purchases seem more appealing, and can trigger the brain's reward center.
Explanation
Psychology: Studies have shown that people tend to spend more when using a credit card than when using cash. This is because credit cards can make purchases feel like bargains.
Rewards: Credit cards can offer rewards like cash back, points, or miles for purchases. These rewards can encourage people to use their credit card more often.
Impulse buys: People may be more likely to make impulse buys when using a credit card.
Tipping: People may be more likely to tip when using a credit card.