[Antoninus]

Cash is required by my barber, and by Guida's Hot Dogs in Middlefield, CT, and appreciated all waitresses and by many a mom and pop that have high card transaction fees.

Pay small businesses in cash whenever you can. Save the credit card for the big box and online transactions.

[Starboard]

And make sure you don’t accumulate a large running balance. The average bank card rate is 21%. Its very hard for most people to pay off balances with rates that high. Store cards are even higher — about 30%.

[HartleyMBaldwin]

Some years ago, I got a VERY substantial discount from a small repair shop for paying in cash.