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> Paying with credit card is in itself rare in most of the world outside the US

I live in the UK: You're incorrect. I would say credit card payments make up the majority of transactions (exceptions: buses, market stalls, and Greggs).



Our Greggs has a card terminal, McDs do too now but most people appear to pay cash.


Greggs only added that recently and I also believe there is a minimum spend (£5?).




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