Comment by arantius

I can't answer for Americans for a whole, but I live in the USA and I pay with credit card by default. My personal reasons:

* Cards are convenient. No need to go get cash, no change at each transaction to manage carrying around. * Cards give a discount in the form of "cash back". (As mentioned elsewhere, this really just inflates the cost of everything for everyone, but I might as well claw it back.) * I don't actually go "into debt". I pay off my card (automatically!) every month, and incur no interest charges. I use it like a slightly deferred debit card with benefits.

The last bullet being significant to your point: I don't "spend money on [a] loan".