Are the PSN Cards worth purchasing instead of using the credit card on the Playstation Store?
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Yes
As the article says, yes they are worth buying.
If hashed credit card info and passwords aren't enough security for you why not have that one extra layer of security by not using your credit card at all?
There is no good reason to not have PSN cards, it can only be a positive for those that choose to use it.
Any cashcard is worth buying...
Yes, they have always been my preferred method for making purchases on PSN.