[Obadiah]

I’m way outside of this age group, but it fits me. I use debit for almost all purchases. Never seem to have cash on me and I hate writing checks.

[cardinal4]

I’m way outside of this age group, but it fits me. I use debit for almost all purchases. Never seem to have cash on me and I hate writing checks.

Me, too. Its much easier to track spending this way, too..

[rlmorel]

LOL...my wife is a cash person, and I rarely have more than $20-40 on me at any time, and probably average $5-10.

I had $3 in my wallet this morning...she constantly ribs me about it. She rarely has less than $60.

[RockinRight]

As a guy, I have nowhere to keep a checkbook when I’m out (women can keep them in their purses) so I use a debit card often. Hate carrying cash (although my fiance gets annoyed that I never do) because I’m more likely to fritter it away if I have cash.

[napscoordinator]

I’m way outside of this age group, but it fits me. I use debit for almost all purchases. Never seem to have cash on me and I hate writing checks.

Me too. I am 38 and have not used a credit card in years and a check...what’s that. lol.

[napscoordinator]

Another thing I do is when I go on vacation, I get a bank gift card. It works just like a visa and if it gets lost than you only lost that amount of money and you still get it back, but the thief does not have your bank card which could end up making many many purchases.

[FLCowboy,]

I’m way outside of this age group, but it fits me. I use debit for almost all purchases. Never seem to have cash on me and I hate writing checks.

I wrote a check the other day to a merchant, and after he ran it through his cash register, he handed it back to me and said it was my receipt. I was trying to save him some money by not using a debit/credit card. I was also hoping I could get a float, but that's beside the point. I'll use my debit card from now on, saves buying more checks. I'm really outside this age group, but before I retired, I always used direct deposit, so this is just an extension of that.

[cynwoody]

I’m way outside of this age group, but it fits me. I use debit for almost all purchases. Never seem to have cash on me and I hate writing checks.

I don't like debit cards. I made my bank give me one without any Visa or MC logo, so that it can't be used without a PIN, and I use it only to do ATM transactions. Debit cards are too intimately connected to your bank account. If there's going to be a problem, I want the card company to be out the cash, not me.

I use my American Express card for most purchases (grocery, gas, Starbuck's, etc.). Then I pay it off in full every month, using the bank's computerized bill pay service. I've never been hit with a nuisance charge, such as those mentioned in the article. AXP's merchant agreement forbids that sort of nonsense.