I write checks for everything, bills, gas, groceries, copays, drugs (drugstore) - everything. We only use a credit card for a major purchase or repairs on our car (30 day guarantee thing). The only problem I have had is the dorks that pay with a check and don't have the money to cover it. For 50 years my husband and I have had a checking account and have never had an overdraft and now we are being penalized because different fast food restaurants (Wendy's, McDonald's, Burger King, Arby's, Olive Garden, Red Lobster) don't accept checks. I don't keep much cash in my wallet. Works for us~! Edie