just let's know 0 balance transfer offers

I am so glad to tell you that a non-cash transctions way exsits,that is credit card. It is convenient to use credit card. In Japan, Few people do not have credit card . Having a better service of credit card from bank ,you should have a good plan of credit card.
Bank credit card is a tool to be used for a first post consumer loan payment. savings, curve loans, pay with your own cash, you could overdraft payment without any deposit and so on .
We shold better pay attention to the following while oweing the credit card. First, choose a bank, a wide range of different bank credit card services, such as providing 0 interest credit cards is a wise choice; Second, choose out the reduced attention credit scores card, which could reduce the potential for credit scores card personal debt default. Third, credit, overdraft amount is diffrent even although holding many credit.
if let me choose important goods,I will choose the credit card. when uses the best rated credit cards, please note the correct method. the credit card electron bill is environmental protection, safe and also convenient.