For on-line purchases I use my credit card, for in-store purchases I usually use my debit card unless the amount is less than £5 then I usually pay cash. Although actually getting cash is a problem here in the UK because so many banks are closing their branches, my town had 3 banks and 2 building societies and one by one they closed, now there's none left so the only way to get cash is from the "hole in the wall" cash dispenser at the railway station. This causes another problem, these machines often only give you £20 notes, and no shopkeeper likes being offered a £20 note for a £5 purchase.