In a waiter/waitress situation, EVERYONE knows it's courteous to pay CASH. Everyone should know by now that wait staff has to eat that 10% or whatever of the usage charge for cards. If you don't have cash, at least tip in cash.

Am I right, Tatty? On the right track?

If you're dining with multiple people, try paying cash. I don't like sitting there while my waiter takes a million years with the check because now there's 5 different credit cards to split up.

Starbucks where it's just me and I'm in and out, plastic seems easier than waiting for me to dig out crumpled up bills and change with a 9am line behind me.

It all comes down to how people spend these days. Most people get direct deposit and pay everything with debit card- credit when the checking acct depletes.

I kick it old school: deposit check and give myself a cash allowance until next check.