Depends on where you are for “paying extra”. Grocery stores in the US around me don’t charge differently for credit/debit/check/cash. Restaurants are starting to charge credit card fees to people but have a cash/debit “discount” which I’m actively ensuring I use. Probably going to hit up the card companies and explain that the change in cost means their cards are worth less now and I’ll just never use them.
If you need time that’s what a credit card is for. If you don’t have financial responsibility then that is a problem though.
credit card is instantaneous and you pay extra for using credit. Checks add friction to procedure
p.s. i use neither
Don’t you guys have direct debit cards yet?
Depends on where you are for “paying extra”. Grocery stores in the US around me don’t charge differently for credit/debit/check/cash. Restaurants are starting to charge credit card fees to people but have a cash/debit “discount” which I’m actively ensuring I use. Probably going to hit up the card companies and explain that the change in cost means their cards are worth less now and I’ll just never use them.