I always use my debit or credit card. It's so much easier than writing checks, and then I don't have to order checks as often, which saves money, and I also don't have to carry as much cash around.

You talked to a telemarketer? On your cell phone? I would have been like "This is a cell phone" *click* I've gotten that call too, they just want to sell you magazines. The part about being in a sweepstakes is a total lie. Anyone who calls you and wants money for something is just ripping you off.