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12% of UK don't carry cash

Minority...

I also don't have any debt, but i still use credit cards for 99% of spending because they're more convenient...

I get cashback on what i spend, only a small amount granted but i spend a lot on work expenses which get refunded by the company too so its effectively free money...

Interest free debt can also be a good thing, take out a card with say a 10k limit and a years interest free, do your normal purchasing on it until you reach the limit but instead of paying off the bill every month put that money into a savings account. At the end of the year, pay off the card and keep the interest you earned in the account.

I also finding counting out change, and carrying it around with me extremely inconvenient.

Similarly while some shops and customers behind you may get annoyed if you try to pay with a card, i have seen many situations where people paying with cash have attracted similar negative attention especially when counting out large numbers of small coins.

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