It is no wonder people don't like credit cards. The banks require 40 leva per year as a tax to give you the card with the lowest limit and then you must pay a tax for each cache withdraw from the card. 

But the worse is - you can't transfer money from your card to your other bank accounts. You must use it only for paying for goods and for withdrawing money. I asked if I have recurring payments for leasing can I put some auto payment each month from my card and the response was that I must go each month with my card in hand to some place where the leasing company have set a payment terminal and pay. Big convenience.