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SocialDemocrat61

(6,580 posts)
Thu Nov 6, 2025, 09:12 AM Nov 6

Which payment method do you use the most at stores?


170 votes, 2 passes | Time left: Time expired
Credit/Debit card
143 (84%)
Cash
21 (12%)
Check
2 (1%)
Barter of goods or services ;)
1 (1%)
Other
3 (2%)
Show usernames
Disclaimer: This is an Internet poll
74 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
Which payment method do you use the most at stores? (Original Post) SocialDemocrat61 Nov 6 OP
So many cafes are no cash now BlueWaveNeverEnd Nov 6 #1
I believe in NYC choie Nov 6 #13
Have been using credit or debit more the doc03 Nov 6 #2
Under $20, cash. Over $20, debit. Emile Nov 6 #3
I use a credit card ... PBC_Democrat Nov 6 #4
Why do you ask? Amaryllis Nov 6 #5
... EYESORE 9001 Nov 6 #6
Curiosity SocialDemocrat61 Nov 6 #7
I'm curious how many DUers hate beets leftstreet Nov 6 #9
You should SocialDemocrat61 Nov 6 #12
definitely on Team Hate Beets nt yellowdogintexas Nov 6 #40
Me too Bettie Nov 7 #74
I'm not a fan of beets. I know they are good Emile Nov 6 #14
I learned to like them. I don't love them, but like enough to get their benefits....Otho cottage cheese?... electric_blue68 Nov 6 #59
Love beets! Shambala Nov 6 #18
We can't be friends leftstreet Nov 6 #28
😂 more beets for me then Shambala Nov 6 #39
You MUST read "Jitterbug Perfume DFW Nov 6 #55
The beet was Rasputin's favorite vegetable leftstreet Nov 6 #56
Ah, well...... DFW Nov 6 #67
Beets Turbineguy Nov 6 #19
Right there with you....childhood trauma LtTx Nov 6 #29
I love beets and I think we need a new DU argument thread! yardwork Nov 6 #20
Once I saw Dana Loesch pimping beet extracts I swore off of then forever!!! Moostache Nov 6 #26
Put me down under "I love beets." NameAlreadyTaken Nov 6 #35
Thank you for asking. hamsterjill Nov 6 #25
My email acct once was hacked and they sent a message to my entire address book that started with asking "Do you use Amaryllis Nov 6 #30
I have had that happen to me, resulting in the Nigerian Prince scam going out to my entire address list. nt yellowdogintexas Nov 7 #72
I use Apple Pay Mz Pip Nov 6 #8
We have a small retail shop, and NameAlreadyTaken Nov 6 #37
All of my paper money says PoindexterOglethorpe Nov 6 #10
I no longer use a credit card; debit card only. If I can't afford to pay for something now, I don't want debt to be CTyankee Nov 6 #11
Credit cards companies want your Social Security number Emile Nov 6 #16
I have a wise fear of disclosing my SS number to anybody. CTyankee Nov 6 #17
My first voter list order auditor asked what all I wanted on the list and I said everything. Thinking voting history IA8IT Nov 6 #60
your bank has it, it is necessary to file taxes, in Texas you have to have it for a driver's license and voter yellowdogintexas Nov 7 #70
I'd honestly avoid using a debit card fujiyamasan Nov 6 #46
I will check with my bank on its procedure. Thanks for the heads up. CTyankee Nov 6 #51
Usually cash but sometimes a credit card. Munu Nov 6 #15
Have used Rebl2 Nov 6 #21
Should separate credit/debit... Wounded Bear Nov 6 #22
Try to use cash all the time. Prairie_Seagull Nov 6 #23
Swish Celerity Nov 6 #24
untill now , snap. in future debit card. AllaN01Bear Nov 6 #27
I have switched to credit card LtTx Nov 6 #31
Same. I DO NOT want any transactions on Debit card, it puts my checking account at bigger risk of hacking Attilatheblond Nov 6 #45
I've had debit cards stolen fujiyamasan Nov 6 #50
Up until about 8 years ago, I paid cash for food, etc. Then, it just became easier to hand a credit card and Silent Type Nov 6 #32
If the store has a rewards system, it is easier to track your points yellowdogintexas Nov 6 #43
Debit card. OAITW r.2.0 Nov 6 #33
What about tap (ApplePay, Google Pay)? NameAlreadyTaken Nov 6 #34
While back, there was some news about tap to pay problems. Seems the machine didn't always clear out Attilatheblond Nov 6 #47
Wow that's strange and disturbing. NameAlreadyTaken Nov 6 #53
I had a grocery clerk chase me down in the parking lot because he caught it happening Attilatheblond Nov 6 #63
I rarely carry cash. Americanme Nov 6 #36
I use my CC because I get miles. I use it for pretty much everything that I can use it for. I lay it off Raftergirl Nov 6 #38
Definitely a debit card with the following exceptions: yellowdogintexas Nov 6 #41
Credit csrds usedtobedemgurl Nov 6 #42
I have an American Airlines frequent flyer card, which gives points for everything you use it for yellowdogintexas Nov 6 #44
You can also get cards that give you a bonus. usedtobedemgurl Nov 6 #48
Yes... thank you! AAdvantage card and HHonors card... for everything! QueerDuck Nov 6 #49
thanks for that tip! My property taxes have been reduced enough that putting the yellowdogintexas Nov 7 #71
cash and debit ShepKat Nov 6 #52
By December chickens will be better than cash Johonny Nov 6 #54
These days I only use cash to pay the cleaning lady, the guy that cuts my hair and as a tip for the nail guy. beaglelover Nov 6 #57
It's about 50/50, cash or card. Iggo Nov 6 #58
This message was self-deleted by its author PeaceWave Nov 6 #61
Only on Epstein Island 😉 SocialDemocrat61 Nov 6 #66
From travels to the southeastern US IzzaNuDay Nov 6 #62
also in Texas. nt yellowdogintexas Nov 7 #73
There are very few things I use cash for jmowreader Nov 6 #64
The last time I used a check the cashier didn't know what to do with it. Owl Nov 6 #65
Five finger discount... BluesRunTheGame Nov 6 #68
I like getting 2% credit card reward and being able to keep track of payments wishstar Nov 6 #69

doc03

(38,737 posts)
2. Have been using credit or debit more the
Thu Nov 6, 2025, 09:44 AM
Nov 6

last year or so. Cash just seems to disappear
I had their meal deal at Arby's yesterday sandwich, fries and drink over $11. I had lunch
at Denny's one day last week. Skillet dinner and an extra $1.50 for garlic toast $3 for coffee and 15% tip $21.15.




PBC_Democrat

(446 posts)
4. I use a credit card ...
Thu Nov 6, 2025, 09:48 AM
Nov 6

and pay for 90% of my purchases using my watch.

Easier, faster, and more secure.

Emile

(39,893 posts)
14. I'm not a fan of beets. I know they are good
Thu Nov 6, 2025, 10:19 AM
Nov 6

for you, but never liked the taste of them. Same way with cottage cheese. Cottage cheese tastes like sour milk to me.

electric_blue68

(25,360 posts)
59. I learned to like them. I don't love them, but like enough to get their benefits....Otho cottage cheese?...
Thu Nov 6, 2025, 01:25 PM
Nov 6

Eeeew, I hate the look of it. 😄

DFW

(59,585 posts)
55. You MUST read "Jitterbug Perfume
Thu Nov 6, 2025, 01:17 PM
Nov 6

No one should die without having read that book SERIOUSLY!!! NO ONE!!

It will also remove any beet aversion you may have had, even if it has been for decades.

Do yourself a favor and read Jitterbug Perfume! You will thank me for the rest of your life. This is no joke!

leftstreet

(38,637 posts)
56. The beet was Rasputin's favorite vegetable
Thu Nov 6, 2025, 01:23 PM
Nov 6

you could see it in his eyes



That's a great book! (Still hate beets though)

DFW

(59,585 posts)
67. Ah, well......
Thu Nov 6, 2025, 02:04 PM
Nov 6

Sometimes the best efforts of mice and men are still not enough.........

LtTx

(41 posts)
29. Right there with you....childhood trauma
Thu Nov 6, 2025, 11:08 AM
Nov 6

I am a polio survivor. Had it as a toddler in mid 1957. Mostly affected lower right leg and both feet. I was very lucky to be treated at Shriner's Hospital- Shreveport for multiple surgeries when I was 11 and 13. I spent 9 months in the hospital both times. 300 miles away from my parents/siblings. But...they served beets regularly. I would hide them in my cup for brushing my teeth and then flush them in the toilet! Still cannot even think about eating them!

Moostache

(10,953 posts)
26. Once I saw Dana Loesch pimping beet extracts I swore off of then forever!!!
Thu Nov 6, 2025, 11:04 AM
Nov 6

I would rather die than see my economic activity intentionally benefit that bitch by one red cent....

hamsterjill

(16,885 posts)
25. Thank you for asking.
Thu Nov 6, 2025, 11:02 AM
Nov 6

I often times wonder what makes someone create a poll like this. And most times, I don't answer.

Amaryllis

(10,905 posts)
30. My email acct once was hacked and they sent a message to my entire address book that started with asking "Do you use
Thu Nov 6, 2025, 11:11 AM
Nov 6

Amazon" and if the answer was yes, it went on from there asking ....oh, it's too complicated to explain but several friends who fell for it lost money and consequently I am very skeptical if anyone asks anything finances.

yellowdogintexas

(23,578 posts)
72. I have had that happen to me, resulting in the Nigerian Prince scam going out to my entire address list. nt
Fri Nov 7, 2025, 02:49 PM
Nov 7

NameAlreadyTaken

(2,191 posts)
37. We have a small retail shop, and
Thu Nov 6, 2025, 11:29 AM
Nov 6

we have seen a slow, steady increase in the number of ApplePay or GooglePay users over the last 10 years.

I'm always happy to see someone use ApplePay because it is so easy and quick and it's basically fraud-proof. I wish it would become the prevailing standard.

PoindexterOglethorpe

(28,387 posts)
10. All of my paper money says
Thu Nov 6, 2025, 10:14 AM
Nov 6

"This note is good for all debts public and private".

I don't understand how any business can legally refuse cash. Someday I'm going to make sure I have only cash with me, no credit or debit card and see what happens.

CTyankee

(67,682 posts)
11. I no longer use a credit card; debit card only. If I can't afford to pay for something now, I don't want debt to be
Thu Nov 6, 2025, 10:15 AM
Nov 6

hanging over me. The only debt I have now is mortgage and of course there are benefits there.

Emile

(39,893 posts)
16. Credit cards companies want your Social Security number
Thu Nov 6, 2025, 10:24 AM
Nov 6

when you apply. I remember when your Social Security card used to be printed on them, not to be used for identification. With all the identity theft, we need to get back with that.

IA8IT

(6,309 posts)
60. My first voter list order auditor asked what all I wanted on the list and I said everything. Thinking voting history
Thu Nov 6, 2025, 01:26 PM
Nov 6

Included was every voter in the county social security number. The 90's in Iowa... now Iowa has voter ID numbers.

About a three inch stack of voter list with the dot matrix printer holes on the edges was fed into shredder

yellowdogintexas

(23,578 posts)
70. your bank has it, it is necessary to file taxes, in Texas you have to have it for a driver's license and voter
Fri Nov 7, 2025, 02:41 PM
Nov 7

registration, it is on your passport if you have one and these days it is assigned when you are a kid so it is on everything you do from that point on, and every employer has it in their files..

There is literally no way you can avoid giving out your social security number.

I am just really really careful about using it recklessly. These days, if you are confirming something financial you are most likely only asked for the last 4 digits.

fujiyamasan

(1,058 posts)
46. I'd honestly avoid using a debit card
Thu Nov 6, 2025, 12:17 PM
Nov 6

They’re probably the least secure method of payment. I’ve had criminals steal and draw money directly from my accounts on several occasions. It also takes days for the money to be debited back from the bank in case of fraud. It’s stressful waiting during that time period. I’d rather my credit card be skimmed than a debit card.

A credit card dispute is much easier. The key is just paying off the balance each month to avoid interest and fees. The cash back and rewards cards out there make it a no brainer.

I’d suggest using cash over a debit card. At least if you’re mugged or pick pocketed, it’s whatever that’s in your wallet or purse that’s stolen, and not your bank account.

Rebl2

(17,265 posts)
21. Have used
Thu Nov 6, 2025, 10:51 AM
Nov 6

credit card at grocery store all my married life and that card is paid off each month in total. Large purchases go on credit cards and get paid off each month, not that we make many large purchases anymore.

Wounded Bear

(63,661 posts)
22. Should separate credit/debit...
Thu Nov 6, 2025, 10:58 AM
Nov 6

I use my debit card as most of the time. Cash on small purchases/items and credit sometimes.

Prairie_Seagull

(4,580 posts)
23. Try to use cash all the time.
Thu Nov 6, 2025, 11:00 AM
Nov 6

When I go the an atm to take out cash. I take out 50's. 100's get you looked at funny and the bill scrutinized much more. When I haven't planned ahead I use my debit.

LtTx

(41 posts)
31. I have switched to credit card
Thu Nov 6, 2025, 11:11 AM
Nov 6

My debit card has had to be replaced 4 times in the last 18 months due to fraudulent use. The credit card offers more security for me. I have alerts set up on the credit cards to advise me of just about any purchase.

Attilatheblond

(8,026 posts)
45. Same. I DO NOT want any transactions on Debit card, it puts my checking account at bigger risk of hacking
Thu Nov 6, 2025, 12:17 PM
Nov 6

I pay off my credit card every month unless there is an expensive emergency. My card does allow me to use 3-6 months to pay off a bigger purchase without any interest.

fujiyamasan

(1,058 posts)
50. I've had debit cards stolen
Thu Nov 6, 2025, 12:25 PM
Nov 6

And it’s a real drag disputing the transactions and stressful while waiting for the bank to despot it the cash. It’s so much easier to dispute transactions with a credit card.

The last thing I’d want is my bank account exposed to others. The debit card does exactly that. I usually just keep it at home.

Silent Type

(12,287 posts)
32. Up until about 8 years ago, I paid cash for food, etc. Then, it just became easier to hand a credit card and
Thu Nov 6, 2025, 11:12 AM
Nov 6

go my way.

It was sometimes painful watching cashiers try to count out change.

yellowdogintexas

(23,578 posts)
43. If the store has a rewards system, it is easier to track your points
Thu Nov 6, 2025, 12:13 PM
Nov 6

if you use plastic, whether debit or credit.

OAITW r.2.0

(31,188 posts)
33. Debit card.
Thu Nov 6, 2025, 11:14 AM
Nov 6

Easier to track total purchases in my budget-to-actual expenses in my Excel spreadsheet. I developed it over 10 years ago and allows me to view long term trends in my spending.

Edited to add: And no to the beets.

Attilatheblond

(8,026 posts)
47. While back, there was some news about tap to pay problems. Seems the machine didn't always clear out
Thu Nov 6, 2025, 12:18 PM
Nov 6

and when other people tapped, it sometimes went on previous user's bill. Nah, I'll pass on tapping

NameAlreadyTaken

(2,191 posts)
53. Wow that's strange and disturbing.
Thu Nov 6, 2025, 01:12 PM
Nov 6

We use the Square Terminal in our little retail store. It accepts card payments or tap payments. We've never had the problem you mentioned happen with tap payments. I hope that problem has been fixed!

Attilatheblond

(8,026 posts)
63. I had a grocery clerk chase me down in the parking lot because he caught it happening
Thu Nov 6, 2025, 01:44 PM
Nov 6

While he was ringing up the person behind me in line, he noticed that person's order was being added to my previous order. Bit of a mess to get straightened out. Glad the clerk noticed something was amiss. I use my credit card at the store now. Easier to fix.

Americanme

(340 posts)
36. I rarely carry cash.
Thu Nov 6, 2025, 11:19 AM
Nov 6

Rarely write a paper check. Almost all transactions are debit card/credit card, or electronic transfer.

Raftergirl

(1,789 posts)
38. I use my CC because I get miles. I use it for pretty much everything that I can use it for. I lay it off
Thu Nov 6, 2025, 11:31 AM
Nov 6

every month.

yellowdogintexas

(23,578 posts)
41. Definitely a debit card with the following exceptions:
Thu Nov 6, 2025, 12:10 PM
Nov 6

One of Ft Worth's most popular restaurants has a cash only policy. No debit, credit cards or personal checks
Gas pumps. Never use your debit card at the gas pump. Crooks rig those card slots with a tool which allows them to get your bank account information. I either use my Costco card or another credit card. It is a lot easier to keep track of the purchases that way. Too many of my friends have had their bank accounts messed up because they used their debit card at the pump.

We also use a credit card for any large purchase which might mess with our cash flow.

usedtobedemgurl

(1,903 posts)
42. Credit csrds
Thu Nov 6, 2025, 12:13 PM
Nov 6

I pay them in full the end of every month. I just bought a game arcade table with over 500 games from a points to cash conversion on one of my cards.

yellowdogintexas

(23,578 posts)
44. I have an American Airlines frequent flyer card, which gives points for everything you use it for
Thu Nov 6, 2025, 12:16 PM
Nov 6

If I am using it to buy tickets, I get miles for the flight itself, and miles for the $$.
This has given me a number of free trips to Phoenix.

usedtobedemgurl

(1,903 posts)
48. You can also get cards that give you a bonus.
Thu Nov 6, 2025, 12:20 PM
Nov 6

So, when you sign up, you can get a bonus of something like $200 if you spend a $1,000 in three months. It is crazy the offers they give. Good on you getting those free trips.

QueerDuck

(753 posts)
49. Yes... thank you! AAdvantage card and HHonors card... for everything!
Thu Nov 6, 2025, 12:20 PM
Nov 6

Even property taxes... the "courtesy fee" charged by my county -vs- the miles/points earned is worth it to keep our "Diamond" status.

yellowdogintexas

(23,578 posts)
71. thanks for that tip! My property taxes have been reduced enough that putting the
Fri Nov 7, 2025, 02:48 PM
Nov 7

installments on a card would be easy to pay out immediately and it just adds more miles.
In Texas, we have a hefty homestead exemption and over 65 or disabled homeowners have an additional reduction. One of the few things our state legislature had done which is universally beneficial.

ShepKat

(505 posts)
52. cash and debit
Thu Nov 6, 2025, 01:04 PM
Nov 6

Cash for local co-ops and mom/pop small businesses.
Debit for larger corporate stores.

beaglelover

(4,405 posts)
57. These days I only use cash to pay the cleaning lady, the guy that cuts my hair and as a tip for the nail guy.
Thu Nov 6, 2025, 01:24 PM
Nov 6

Everything else goes on the CC which I pay off monthly.

Response to SocialDemocrat61 (Original post)

IzzaNuDay

(1,204 posts)
62. From travels to the southeastern US
Thu Nov 6, 2025, 01:31 PM
Nov 6

Credit card payments at some establishments charged an extra 3% if credit cards were used. I ended up using most of my cash while on the road.

Owl

(3,763 posts)
65. The last time I used a check the cashier didn't know what to do with it.
Thu Nov 6, 2025, 01:57 PM
Nov 6

Had to bring her supervisor over and even she was uncertain how to enter the check into the register. Another supervisor came over and it finally got entered for payment.

wishstar

(5,798 posts)
69. I like getting 2% credit card reward and being able to keep track of payments
Thu Nov 6, 2025, 03:27 PM
Nov 6

So far this year have gotten over $200 in credit card rewards. Card pays 3% on gas.

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