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from a tourist point of view:
i never had a problem using a credit card at the important places. book off, gamers, etc... most of the smaller shops where i got souvenirs for other people did not take them. i had cash ready for the trip in the first place, but after hearing repeatedly, from like everyone, that i would not be able to use my credit cards, i found that to be not true. almost everyplace on the large shopping streets took them. mainly just the side street shops (some of which are the best depending on what you are after) would not / could not take them.
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