> Fair enough. Out of interest, used to = how many years ago? I'd wager it's waning. Quite a while: 10 years-ish? I doubt it's changed towards credit card; mo

> Fair enough. Out of interest, used to = how many years ago? I'd wager it's waning. Quite a while: 10 years-ish? I doubt it's changed towards credit card; most companies have a 3% surcharge for using a CC. I might believe that more people are using BPay. But direct debit is the easiest: no interaction required from customer, and merchants prefer it as you need to do less in the way of credit checks.