Never paid by card as I am a cash guy. People who use their debit cards annoy me as they are mostly too stupid to use the debit card machine and they hold up the line.
I use both, and have been doing so, since 1994.
Before that, I had a credit card, AMEX, and did close that out in 1988, and haven’t used a credit card, since.
“They pay me a penny for my dollar in the bank, but charge me 22 pennies to use one of their dollars they loan to me? there’s no profit in that, for me!”