Does your choice depends on somehing? And from what country are you?
I almost never have cash on me. It's debit or credit always. Here's my thought process on paying with cash. If I buy something that costs, say $4.55, and I hand over a $5 dollar bill, that item has really just cost me $5.00 because what am I realistically going to do with the 45 cents in change?
Back in the day you take that .45 cents and throw it in a big old empty pickle jar with the rest of your loose change.
the problem now is that I'll just have a big pickle jar with 45 cents. Next year, I'll have a pickle jar with 60 cents... maybe by the time I retire I'll have a whole five dollars of change and exchange it for a bill...
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.
Do people still carry cash these days? Maybe if I was going to a garage sale or some private transaction... but even for those it's more convenient to do an e-transfer. Some businesses don't even have cash registers any more, just a card reader.
I think they're asking "If you use one only for specific circumstances, what are those circumstances?"
I asked if you sometime pay in some way because of something. Sorry english is not my first language
No big deal, and thanks for clarifying. I pay at big cooperate stores with card, but when I’m shopping local or small, I bring cash because I know they are hurt more by credit card charges.
Interesting to see how common it still is to exclusively use cash, especially in European countries. In Canada, they put us in a prisoners dilemma situation where things cost the same regardless of whether you pay cash or card, but if you pay card, the merchant pays a fee and you get a portion of that fee, making it cheaper for you, while also raising the prices because they need to factor in this extra fee, so things are actually more expensive overall, and moreso if you pay cash.
Besides the monetary incentives, it's also much easier to track my expenses with a credit card.
UK, card exclusively.
The charges on card is lifted some years ago and now there's no need to carry cash anywhere.
UK here - same for me for the last decade at least. The only thing I still pay for with cash is the barbers (although on my most recent visit I spotted a card terminal)
Australia. Cash if possible, but only for small transactions like groceries.
Otherwise, EFTPOS.
Credit card only for some online payments I can't get around any other way.
card almost exclusively. local bakery or similar small shops doesnt work with cards and only do cash, so sometimes i have to work that way, but otherwise its card only.
Cash and only cash. I live in Europe, so basocally wherever I decide to travel, my euros will be accepted, otherwise I'd rather get ripped off by an exchange than give a single piece of metadata to my bank :)
Travelling to places with a different currency outside the EU, I take my debit card and on the very first day withdraw some of the local currency from an ATM.
I live in the eurozone, and I don't even know what euro cash looks like.
What are your reasons for using a card? Not bashing you, just genuinely interested :)
I don't want to carry around more shit and it makes payment faster and less fucking about.
Also if I lose it I don't lose all my money.
Cash, new Zealand. Here we get charged a fee for cc that's 3% that's a scam in my opinion and there's probably a fee for eftpos as well so I just use cash.
Nah it's been years since I was charged fees for eftpos.
Paywave though, the vendors are getting shafted for that since it's credit. So of course they'll pass it on
Carrying cash - particularly coins - is such a pain in the neck. I pay for everything on card whether I'm in this country (UK) or travelling abroad.
I'm almost at the point where I don't need to carry a wallet at all - contactless on my phone takes care of a lot.
