[matt4077]

For groceries: 50% cash, 50% debit cards or direct debit – they instantly score you and the content of your shopping cart and use the riskier but free direct debit if they trust you.

But most people have CCs now as well. It's the only sane option besides paypal and quite useful when traveling. I'm pretty sure though that a rather large percentage of CC users pay it within the month and avoid interest.

[chrisseaton]

Direct debit may be free, but they pay me when I use a credit card, with cashback, so it's even better than free. (Of course I know I pay for processing fees in the overall price, but if I'm paying that anyway I should use the credit card).