Just exactly how is my use of a debit card being irresponsible? I actually have instant access to every cent of money in my account, but not one penny more than I have. My debit card is exponentially quicker than writing a check, which is the same type of cash-replacement instrument. My debit card transaction is protected by the card-issuing company and can be cancelled instantly if lost or stolen, unlike your cash. In fact, my credit union eliminates my monthly fee if I use my debit card five times each month with an automatic deposit. And, my debit card does not cost the United States government anything to design, print, distribute and maintain, like your cash does. Sounds pretty responsible to me.
To the OP:
When I am asked "Debit or credit" I usually respond "Whichever is cheaper for you (the store owner) to use", typically the debit path. I understand the benefits of accepting CC/DC for an operation with larger average ticket and the punitive nature of your lower average ticket. There are proven increases in ticket averages of credit card buyers. When I see a sign offering a discount for cash, I often think of the nefarious tax-evasion reasons of a non-paper-trailed transaction. I would welcome a well-thought-out sign explaining the cash discount and the reason for it, but would most likely continue to use my irresponsible debit card.
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