Preliminary numbers for 2002 indicate online debit surging at a 39% rate with offline growing 24% and credit card usage increasing 9%. When you receive your Pay Card, you will get instant access to your pay on first thing on payday without having to stand in line. I do not travel very often, and when I do, I usually just drive my own car. We in the USA have to face up to the fact that we have a problem with debt – we seem so eager to get into deep holes of debt, with credit cards, mortgages for more home than we need, and more cars than we need. A lot of financial data has revealed that there is a decline in savings overall for most people, that instead of saving money people seem to be paying down debt more than ever. I suppose it means fewer people needing payday loans later. It's a good thing to get out of debt, but getting out to get right back in is a bad idea.