Federal Reserve Bank of Atlanta. "Focus on Payments : Transcript : Debit Cards Surpass Checks, Credit Cards Decline for First Time,"
Financial Update Focus
(December 29, 2010).
https://fraser.stlouisfed.org/title/7184/item/656086/content/pdf/frbatl_financialUpdateFocus_20101229-debit-cards-surpass-checks-credit-cards-decline-for-first-time, accessed on June 20, 2025.