I don’t even like to use my ATM card because it links to my bank account! The idea of letting anything into my bank accounts, especially things like Mint and YNAB, totally creeps me out and I don’t need some kind of Nick Jr.-esque The Face telling me I did a good job (bonus points if you know what that is. If you don’t know what the heck I’m talking about: https://www.youtube.com/watch?v=vk4rSFB-PLE). I track my finances pretty carefully (every single transaction goes on my spreadsheets, even on vacation) so…I guess these things are a non-starter for me.