Of course most Americans have both debit cards and credit cards. I think that debit cards (as opposed to cards that can only be used at ATMs) didn't really sta

Of course most Americans have both debit cards and credit cards. I think that debit cards (as opposed to cards that can only be used at ATMs) didn't really start to become common until the late 90s. I expect that you'll find that older people don't use them as often out of habit.