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?

Cash, because I try to keep at least some privacy.

Cash. feels better + Banks cant track me

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.

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.