Visa said, unsurprisingly, that debit cards are a good tool to track spending. Since April 2009, spending on Visa-issued debit cards surpassed spending on its credit cards. Debit cards currently make up about 70% of Visa's U.S. transactions, and the company has issued more than 352 million cards. Rival MasterCard ( MA) has more than 211 million debit cards in circulation. As part of the Visa survey, Americans, whose payment method of choice is a debit card, claimed that they would rather give up coffee, MP3 player, mobile phone, email, visiting social network sites -- and even cash -- for one week than they would their debit card. -- Reported by Joe Mont in Boston.