I rarely use cards and online methods to pay for goods and services. I use them only when they are mandatory to do so; like in online shopping I have no other option and COD (Cash on Delivery) is not available in our area. The main thing why I am reluctant to do digital payment is that I spend more money when I use it. But if I pay through hard cash I tend to spend less. In our country digital payment methods are getting encouraged by all. I know digital system is easier and traceable I use cash most of the time. How about you?