Yeah, I use credit cards for almost everything, although I don't pay them down daily. Two or three times a month isn't unusual, though. I'll also pay right after I charge something comparatively large. And I choose the card I use in a particular situation based on the type of rewards it offers. The one place I always pay cash is Woodman's, but that's because they don't take credit cards. They'd get more of my business if they did. I pay cash in restaurants if several of us are splitting the bill, otherwise it's the card. And I pay cash for parking at Brewers games, usually in exact change. I think I last wrote a check about three years ago. I have a couple of checks stashed somewhere in the house. I should probably get some just in case they might come in handy. I refuse to carry loyalty cards. I enter my phone number, or I have the cashier look me up. And I refuse to sign up for store credit cards. All these merchants want to get into my pants, and I'm not going to let them. I lug enough stuff around as it is. I have a high level of patience for older people, in part because my parents were old before they died and I know what older people are up against. My dad was pretty good at the checkout drill, though. He'd have his cards and/or cash ready, and his coupons would be organized. What slowed him down was general mobility and his walker. What I can't deal with is people who can help what they're doing. Digging into the purse after the bill is rung up or talking on the phone while checking out unnecessarily show things down. FVBrewerFan has a good point when he says that checkout is inconsistent from place to place. You try to be organized, but it's not unusual that something trips you up. The first thing I generally ask is if the chip reader is functional. I shouldn't have to do that. If the thing doesn't work, it should be plugged up with a piece of plastic or cardboard that directs people to swipe. Along with that, at some places you can swipe or insert right away. At others, you have to wait for the right time. If you're too early, the cashier has to do a reset, and you start again.