Debit card. Some of my clients pay in cash, which slowly gets used up as I remember it. Sometimes random homeless people end up with $20 because I don’t have change.
Canada - Debit card. Tap or chip. Chip for me since the tap on my card broke and I don’t want to replace it, but most Canadians pay with a debit card tap.
Apple Pay every day, and before that Google Pay. I haven’t really used cash in years.
There’s a very rare exception for like one store I visit that requires cash with an ATM next-door so I just pay by cash then but otherwise I’m using my phone/watch for all payments.
Credit card everywhere in South Africa for me - firstly safer, but I also settle it in full monthly so avoid bank costs and interest, and I get a lot of benefits back like 35% off fruit & veg, 75% off fitness devices annually, etc.
Belgium. Debit card most of the time. Covid was a turning point, as it popularized QR codes and this in turn led to more payments by payment apps. I rarely ever carry cash anymore.
USA - Cash a lot more recently. With how easy it is for my bank and stores to track my purchases with card, I’ve switched to cash as much as possible. Some stores say no cash but even those have never actually refused cash. I assume they’re just trying to deter thieves.
The spark for this change for me was Target. I first looked into it cause I hated how they scanned my ID barcode when buying alcohol. Also, they openly track purchases even made without your account by your credit card number. In addition to what I’ve heard about intensive surveillance in the stores via high resolution cameras, enough to read phone messages, I have sworn off Target entirely.
EDIT: oh and to avoid tip creeping. I absolutely hate when non-tipped places ask for tips. Cash makes it a lot easier to avoid.
Almost exclusively credit. And I don’t even play the game where you move stuff around to maximize points and all the other Bullshit. I just use the credit card through my almost exclusively online bank. Every pay day, first thing I do is pay off whatever I’ve accrued on the card the past two weeks, so I never carry a balance.
Back when I would go to the bars a lot, I used cash often.
Almost exclusively cash for groceries and outings. Most other things are ordered online anyway. You’d think that working in IT I’d be more progressive but I’m confronted with so much malfunctioning tech that I’d rather have a simple form of transaction I can rely on and keep track of easily. My bank probably has some sort of ancient database that nobody understands anymore since Larry who was maintaining it died of a heart attack two weeks before retirement and now nobody dares to touch it until it’ll eventually fail and cause my card to lose functionality for 3 days. I’ll stick with my coins.
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