1 . Shift out of cash and checks . 2 . Preference over credit cards for everyday purchases . 3 . Appeal of credit card reward programs to affluent consumers . A. I and 2 B. I and 3 C. 2 and 3 D. 1 , 2 , and 3 15 . In discussing the influence of demographics on payments use , BIJ say that baby boomers in peak earning years tend to use* _. seniors tend to use* . and the young tend to use . ( PP. 132; Kindle , 2200 - 2210 ) A . debit cards ; rewards - oriented methods ; checks B. checks ; debit cards ; rewards -oriented methods C. checks ; rewards - oriented methods ; debit cards D. rewards- oriented methods ; checks ; debit cards