You might be surprised how much this varies. I don’t know anyone who uses Venmo and never needed it. I do use Zelle in a few cases when a credit card doesn’t wo

You might be surprised how much this varies. I don’t know anyone who uses Venmo and never needed it. I do use Zelle in a few cases when a credit card doesn’t work. It beats checks but is still rather annoying because sometimes Zelle says “no” for mysterious reasons.