I used to own a small retail (discount) store. More than half of all sales were with debit cards. Probably the people who use debit cards now are the same peop

I used to own a small retail (discount) store. More than half of all sales were with debit cards. Probably the people who use debit cards now are the same people who used to use checks? I actually don't know why. It may also be that note when you get a checking account you get a 'check card' for free, but checks cost money and are not hardly accepted anymore. Also some majore discount chains such as WinCo don't accept credit cards. Debit or cash. I would theorize that debit cards are most popular among lower-income people and those with bad credit or who know they have spending problems and therefore avoid credit cards.