When do you usually use cash as a method of payment?
Check?
Debit Card?
Credit Card?
It depends. My first instinct is to whip out the old debit card. For some small businesses, though, I either pay with cash or check, depending on how much cash I have. I do this to avoid the debit card fee for the merchant. And these owners appreciate it.
For online purchases, credit card almost always.
Every month:
[ul]
[li]My disability is direct deposited to my checking account.[/li][li]I write a check for the rent.[/li][li]Phone/internet paid online.[/li][li]Groceries are paid by debit card.[/li][li]The only cash is the two rolls of quarter for laundry.[/li][/ul]
I have never had a credit card.
The only time I have cash is when someone gives it to me (which doesn’t happen very often) and most of the time I put it into my bank account for simplicity.
I use my credit card for pretty much everything. I pay the balance in full though so pay no interest. I earn points and they can add up to quite a bit in cash back.
Cash is for very small purchases only. I don’t use a debit card. The fees are too high.
I use my credit card most of the time, and pay it off each month.
I pay all my bills online, and then use cash for daily expenses like lunch, groceries, entertainment, etc.
Credit card, for the cash back.
I write two checks a month: rent, and my garbage disposal. Everything else is whatever I have on me at the time: if I have enough cash, I prefer to use that.
Yup, and yup, and yup.
Cash only if it’s less than $10. Everything else is on the credit card (UPromise, for my kids’ 529 plans). I’ve never seen the point of a debit card.
First choice, AMEX card that accumulates points. (it’s paid off every month via an online bill pay).
2nd Choice, if vendor does not take AMEX, debit card.
3rd Choice is cash or check.
Credit card would be my default - the no annual fee air miles reward card.
Cash for in-person stuff under ten dollars, or where using the card would seem inconvenient or not allowed. (Also when travelling to other countries)
Cheque for monthly rent, also mailing in payments for workshops, insurance, etcetera. (Pay most other monthly bills from my bank’s website, including paying off the credit cards in full.)
Debit card is strictly an emergency option for me - at a place that doesn’t take credit cards if I’ve run out of cash, and so on.
I can carry all of the cash in my bank account on one thin little card.
Me neither. I have never used, wanted, or had a debit card. I use big blue Amex on everything and get a nice check every year. This year it was $350. 
I don’t even own a credit card, and I hate writing checks because I hate doing the bookkeeping. So I use my Visa debit card to pay for most stuff, and cash for some of the little stuff. I don’t have a credit card bill to pay, and I don’t have to walk around with a checkbook or a fat wad of cash. Everything comes out of the bank immediately, so I can’t spend money I don’t have.
That’s also the down side to it.
I also don’t have a debit card and use cash for smaller purchases and my credit card for bigger ones.
More often than not, I’ll pay for things by debit card, though it does vary based on the amount of the purchase.
For things under $5, I’ll generally pay cash if I have anough on hand. For things over $20 or $30, I’ll usually reach for a credit card to pick up the cash-back or reward points.
The only times I write checks are for my monthly condo fees and credit card bills; every other recurring expense gets paid electronically.
Credit card, unless I have the cash to cover it. I usually have $20-40 in my pocket in cash.
Sometimes I just don’t have the cash to cover it so I will have to make tiny purchases on my card. No big thing.
I pay the card off every month and get nice cash-back rewards. I’ve made some $300 this year already. Ching!
Credit card for the points. Paid off each month.
Cash for small (typically <$20) purchases, if I have some on me (I usually do, I wait tables on Sat. nights and all that money is in cash.)
Credit card for almost everything else, since it has good rewards and I typically pay off the whole balance every month. Debit card a few times a month because my CC is a Discover, and some places don’t accept that.
I have two other CC’s, a Visa and Master Card. The MC is from my bank and is for emergencies only…it’s unlikely I’ll ever need it, since I have a decent limit on my Discover, but again, some places don’t take Discover. The Visa is one I just got for the bonus rewards. Making one purchase gave me a bunch of bonus reward points that I used for $600 in Amazon gift cards (net profit ~$525 after purchases and annual fee…I plan to cancel it once I get my gift cards, and yes, I know canceling a CC affects your credit score, but it’s only temporary and I have no intention of keeping a card with a yearly fee.)
I used to write checks for everything - now I rarely open the checkbook.
When my credit union got debit cards, I used that for everything. But recently, they got a good cash-back credit card, so we do credit for everything, paying it off with on-line transfers from our checking account. It’s really convenient.
I do keep a little cash in my pocket for random snacks or drinks when running errands.