Asklemmy

India. UPI.

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.

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

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.

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.

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

Brazil

PIX

depends on what I'm buying

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

Until the pandemic I used to be strictly cash only. Sadly the pandemic has shifted my habits quite a bit :/

I usually carry around $30 with my cards, if I'm budgeting it can help make there be a limit as to what I can buy without having to rationalize my purchase to myself. Also, nice to have if needed, even if that isn't everyday.

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.

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.

Switzerland.

Apple Pay for almost everything with very very few exceptions. I have stopped going to places that don’t take cards at some point (with a few very pimited exceptions). Cash is just not convenient and totally unnecessary these days. And accepting cards is easier than ever.

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.

sometime someone will ask that question but incude or cryptocurrency

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.

Portugal

I pay almost exclusively using MBWay or Card.