Cheque: Not that popular over here anymore, except for the *cockies* (farmers) or business owners. I havent had cheques for years.
Credit: I've just consolidated my credit card debit, gone from 12k on 3 cards to 1 card with 6k limit and 0 balance at the moment.
I use my plastic daily though and basically just pay my wages off it each week. The reward points are great.
Debit: an ATM card? I use this daily, small purchases, cash withdrawals.
Cash: Daily coffee, lunch on days that I dont take it, today to buy Ice Creams.