I dont have credit cards, I pay by everything via my debit card, usually over the phone as I like to first speak to who I'm handing my money over too, especially to confirm orders I've placed ect.. I'm a bit too thorough with stuff like that, i do also have a small amount of cash in my purse at all times, never know when you'll need it x
All business related things go on credit card so I can make sure the business covers it's own bills! All personal PayPal or debit card sometimes cash if I have it!! So generally a big mixture of everything I'd say in a very long winded way! Lol!