I don't pay a monthly fee for my credit card. 😛
With respect to other posts that quoted me, I do understand that NFC can be used in situations other than paying, and that it might be convenient to carry just a phone and not a credit card. The problem is that NFC requires equipment on the seller's side, and this is far from universal yet. Frankly, I don't see shop owners investing in new point of sale equipment in this economy unless they absolutely have to. Also, NFC credit card payments have an upper limit - I think most people will still carry their credit card for large payments.