Using cash is normal. There are still a number of places which do not accept credit cards. So 90% of people using cash is expected. However, according to this study, 43% of Singaporeans said that cash was the payment mode they used MOST often. Which I take it to mean that they will use cash for transactions which accept cards as well. I understand when it makes financial sense to use cash or bank transfers. Like most clinics only accept cash or NETS. Or when booking budget airlines, the cheapest payment mode is via bank transfers. Now these are actual valid reasons why not to use any form of credit card. Cos there is either no choice, or there is a financial benefit from NOT using a credit card. However, when we look at the variety of credit cards which are available, 61% own a credit card, but only 25% of people use it most often. I'm...