this post was submitted on 11 Aug 2023
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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.