Debit cards.

Debit cards: Are establishing themselves as the U.S. consumer's preferred payment mechanism, according to the 2006/2007 Consumer Payments Usage and Segmentation Study released by First Data's STAR Network. Over the past five years, consumers' average PIN-secured debit point of sale activity has grown from nine transactions per month to 11. In the last year, the average total number of signature debit point of sale transactions made monthly has increased from 13 to 18 per month, www.firstdata.com