Asklemmy

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.

in the US. almost always debit, rarely cash, never credit

Germany. Mostly using my debit card via my phone. I just don't like getting change. My money is also much more manageable this way.

Card, mostly credit, sometimes debit. I rarely carry cash around as I only have a card wallet. I live in the US.

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.

Exclusively card. Any cash I get is saved. Which is nice because I make a decent amount in cash tips at my job so I've got some decent savings from it

Card almost exclusively, but I keep small amounts of cash on hand just in case. Usually end up using it at farmer's market or maker mart type situations.

Canada, rarely pay with anything but CC. The Wealthsimple Cash card has been great too

Portugal

I pay almost exclusively using MBWay or Card.

When in Vegas, cash. Everywhere else, card.

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.

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.

I almost never use cash

When in the Netherlands, I once had to apply for government benefits. They had to scrutinize all my bank transactions for a full year in the process. I've heard they need it for 5 years now. I started using ATMs more, saving up cash, in case I need to go through such a process again.

I do use card almost always now since it's touchless but I'm not willing to give up cash.

India. UPI.

sometime someone will ask that question but incude or cryptocurrency

I live in the US and 95% of the time I use credit cards; I carry very little cash for tipping and quick purchases. I have about 3 cash back cards that I rotate depending on what I’m purchasing and pay them off every month. The points I earn I’ll use for traveling. I never use my debit card except for when I go to the bank

UK.

Card. Have always used a credit card as much as possible to pay for everything since I was able to. That was Barclaycard in 1981 - £2 limit as I was underage. Back in the day Barclaycards were used as £50 cheque guarantee cards which they would issue to me as a minor, but they also served as credit cards for adults.

Cards are OPM and legislation protects us for purchases over £100 and I never carry a balance.

There is never any point in using a debit card to pay for anything. Reversing a transaction is a 'mare and you assume all the risk. Chase offer 1% cashback but I'd never use it (read:assume the risk) for anything where 1% would be worth having.

I tend to (over)spend cash if I have it, but cards I don't over-spend at all. I've never been able to work out why. Not broken so not fixed.

Almost exclusively Amex, but carry a MasterCard too for those occasional times where Amex isn't accepted locally or I'm in mainland Europe. Amex customer service is exceptional. My MasterCard bill is maybe two transactions a month; pennies.

The only place I pay physical cash is the barber. It's a pain in the arse.

Money laundering regulations here are now insane.

Brazil

PIX

Credit card almost exclusively and I get annoyed if I can't use tap to pay. I'm finding more and more places don't even accept cash anymore.