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So what is the best advice I can recommend to someone who wants to be efficient or is traveling soon?  While there is no definitive "one size fits all" answer, there are a few commonly held directives.

2) Credit continued:  Credit is great if you are worried about theft, but cash is still preferred in the Philippines.  In small areas, some businesses charge a 3-7% fee for using a credit card.  To anyone who owns a business, you probably are well aware of the basic costs of the mere privilege of this ability to process cards.  Due to the relatively low volume of credit card sales, the merchant is forced to pass their expense on to the consumer directly.  Therefore it is often better to carry cash in smaller areas.  

In tourist areas, you actually save money by paying with cash.  Typically hotels will offer a published rate, and will also offer a cash discount.  In many hotels you have to ask the desk attendant if there is indeed a cash discount as it is often only honored if you ask.  The best explanation I can offer for this one of multiple possibilities:

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